Call reports 2017
EPHRATA NATIONAL BANK — 2017
What EPHRATA NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,007,514,000 | 1,011,461,000 | 1,009,690,000 | 1,033,282,000 |
| Total loans | 576,003,000 | 581,930,000 | 587,886,000 | 600,445,000 |
| Allowance for loan losses | 7,672,000 | 7,802,000 | 8,028,000 | 8,240,000 |
| Securities available for sale | 314,881,000 | 316,464,000 | 320,327,000 | 319,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 837,056,000 | 842,219,000 | 839,887,000 | 867,642,000 |
| Interest-bearing deposits | 547,831,000 | 545,068,000 | 536,847,000 | 551,560,000 |
| Noninterest-bearing deposits | 289,225,000 | 297,151,000 | 303,040,000 | 316,082,000 |
| Equity capital | 94,629,000 | 98,496,000 | 99,356,000 | 98,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 7,980,000 | 16,190,000 | 24,632,000 | 33,107,000 |
| Interest expense | 702,000 | 1,433,000 | 2,187,000 | 2,939,000 |
| Net interest income | 7,278,000 | 14,757,000 | 22,445,000 | 30,168,000 |
| Noninterest income | 2,272,000 | 4,677,000 | 7,129,000 | 9,647,000 |
| Noninterest expense | 7,500,000 | 15,132,000 | 22,761,000 | 30,732,000 |
| Provision for loan losses | 90,000 | 210,000 | 450,000 | 940,000 |
| Pretax income | 2,100,000 | 4,339,000 | 6,780,000 | 8,761,000 |
| Income tax | 257,000 | 544,000 | 935,000 | 2,343,000 |
| Net income | 1,843,000 | 3,795,000 | 5,845,000 | 6,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,221,000 | 100,375,000 | 101,627,000 | 101,403,000 |
| Total capital | 107,256,000 | 108,519,000 | 109,959,000 | 109,960,000 |
| Risk-weighted assets | 710,367,000 | 714,170,000 | 723,856,000 | 743,701,000 |