Call reports 2020
EPHRATA NATIONAL BANK — 2020
What EPHRATA NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,177,411,000 | 1,298,808,000 | 1,316,278,000 | 1,461,307,000 |
| Total loans | 766,539,000 | 838,265,000 | 848,185,000 | 826,399,000 |
| Allowance for loan losses | 9,803,000 | 10,770,000 | 11,996,000 | 12,327,000 |
| Securities available for sale | 326,681,000 | 334,687,000 | 360,029,000 | 476,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 983,096,000 | 1,108,534,000 | 1,127,174,000 | 1,260,500,000 |
| Interest-bearing deposits | 619,086,000 | 641,522,000 | 661,575,000 | 717,958,000 |
| Noninterest-bearing deposits | 364,010,000 | 467,012,000 | 465,599,000 | 542,542,000 |
| Equity capital | 115,605,000 | 120,798,000 | 124,155,000 | 141,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,481,000 | 20,943,000 | 31,323,000 | 42,067,000 |
| Interest expense | 1,271,000 | 2,270,000 | 3,115,000 | 3,841,000 |
| Net interest income | 9,210,000 | 18,673,000 | 28,208,000 | 38,226,000 |
| Noninterest income | 2,715,000 | 6,412,000 | 10,784,000 | 14,627,000 |
| Noninterest expense | 9,041,000 | 17,207,000 | 26,373,000 | 35,795,000 |
| Provision for loan losses | 350,000 | 1,325,000 | 2,575,000 | 2,950,000 |
| Pretax income | 2,816,000 | 7,202,000 | 10,748,000 | 14,918,000 |
| Income tax | 376,000 | 1,096,000 | 1,628,000 | 2,304,000 |
| Net income | 2,440,000 | 6,106,000 | 9,120,000 | 12,614,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 114,501,000 | 116,276,000 | 118,400,000 | 133,505,000 |
| Total capital | 124,800,000 | 127,612,000 | 130,649,000 | 145,434,000 |
| Risk-weighted assets | 880,527,000 | 959,803,000 | 979,580,000 | 953,115,000 |