Call reports 2019
EPHRATA NATIONAL BANK — 2019
What EPHRATA NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,111,540,000 | 1,130,880,000 | 1,145,395,000 | 1,171,070,000 |
| Total loans | 712,823,000 | 721,829,000 | 739,682,000 | 755,960,000 |
| Allowance for loan losses | 8,886,000 | 8,957,000 | 9,474,000 | 9,447,000 |
| Securities available for sale | 296,633,000 | 296,415,000 | 304,512,000 | 314,168,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 930,340,000 | 941,958,000 | 947,180,000 | 974,950,000 |
| Interest-bearing deposits | 600,794,000 | 596,123,000 | 599,062,000 | 610,231,000 |
| Noninterest-bearing deposits | 329,546,000 | 345,835,000 | 348,118,000 | 364,719,000 |
| Equity capital | 105,594,000 | 111,312,000 | 114,775,000 | 115,065,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,157,000 | 20,614,000 | 31,198,000 | 41,717,000 |
| Interest expense | 1,179,000 | 2,483,000 | 3,784,000 | 5,119,000 |
| Net interest income | 8,978,000 | 18,131,000 | 27,414,000 | 36,598,000 |
| Noninterest income | 2,446,000 | 5,075,000 | 7,969,000 | 10,806,000 |
| Noninterest expense | 8,225,000 | 16,379,000 | 24,463,000 | 33,421,000 |
| Provision for loan losses | 180,000 | 210,000 | 840,000 | 770,000 |
| Pretax income | 3,100,000 | 6,804,000 | 10,309,000 | 13,624,000 |
| Income tax | 453,000 | 1,044,000 | 1,591,000 | 2,131,000 |
| Net income | 2,647,000 | 5,760,000 | 8,718,000 | 11,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,783,000 | 111,014,000 | 113,090,000 | 113,463,000 |
| Total capital | 117,996,000 | 120,364,000 | 122,971,000 | 123,346,000 |
| Risk-weighted assets | 825,954,000 | 826,410,000 | 843,049,000 | 858,596,000 |