Call reports 2018
EPHRATA NATIONAL BANK — 2018
What EPHRATA NATIONAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,029,827,000 | 1,049,340,000 | 1,061,615,000 | 1,097,256,000 |
| Total loans | 612,155,000 | 630,654,000 | 670,573,000 | 695,502,000 |
| Allowance for loan losses | 8,083,000 | 8,171,000 | 8,428,000 | 8,666,000 |
| Securities available for sale | 316,437,000 | 312,594,000 | 300,709,000 | 299,475,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 857,348,000 | 879,227,000 | 892,180,000 | 920,570,000 |
| Interest-bearing deposits | 550,367,000 | 551,773,000 | 544,099,000 | 550,653,000 |
| Noninterest-bearing deposits | 306,981,000 | 327,454,000 | 348,081,000 | 369,916,000 |
| Equity capital | 95,849,000 | 96,967,000 | 97,312,000 | 101,311,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,522,000 | 17,415,000 | 26,761,000 | 36,487,000 |
| Interest expense | 774,000 | 1,616,000 | 2,488,000 | 3,374,000 |
| Net interest income | 7,748,000 | 15,799,000 | 24,273,000 | 33,113,000 |
| Noninterest income | 3,315,000 | 5,988,000 | 8,767,000 | 11,327,000 |
| Noninterest expense | 7,858,000 | 15,948,000 | 23,995,000 | 32,292,000 |
| Provision for loan losses | 190,000 | 280,000 | 470,000 | 660,000 |
| Pretax income | 3,049,000 | 5,531,000 | 8,551,000 | 11,202,000 |
| Income tax | 235,000 | 535,000 | 960,000 | 1,306,000 |
| Net income | 2,814,000 | 4,996,000 | 7,591,000 | 9,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,390,000 | 103,745,000 | 105,512,000 | 106,989,000 |
| Total capital | 110,771,000 | 112,213,000 | 114,234,000 | 115,988,000 |
| Risk-weighted assets | 752,861,000 | 767,127,000 | 796,484,000 | 820,999,000 |