Call reports 2021
EPHRATA NATIONAL BANK — 2021
What EPHRATA NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,530,657,000 | 1,577,408,000 | 1,596,353,000 | 1,715,230,000 |
| Total loans | 843,952,000 | 871,078,000 | 883,435,000 | 924,098,000 |
| Allowance for loan losses | 12,690,000 | 12,703,000 | 12,454,000 | 12,931,000 |
| Securities available for sale | 531,600,000 | 583,623,000 | 561,587,000 | 558,093,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,330,151,000 | 1,373,035,000 | 1,395,505,000 | 1,514,839,000 |
| Interest-bearing deposits | 745,383,000 | 786,137,000 | 800,169,000 | 825,935,000 |
| Noninterest-bearing deposits | 584,767,000 | 586,898,000 | 595,336,000 | 688,904,000 |
| Equity capital | 142,577,000 | 149,927,000 | 150,301,000 | 152,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 10,520,000 | 21,046,000 | 32,447,000 | 43,540,000 |
| Interest expense | 651,000 | 1,257,000 | 1,845,000 | 2,220,000 |
| Net interest income | 9,869,000 | 19,789,000 | 30,602,000 | 41,320,000 |
| Noninterest income | 4,983,000 | 8,810,000 | 12,567,000 | 16,827,000 |
| Noninterest expense | 9,135,000 | 18,733,000 | 28,793,000 | 40,180,000 |
| Provision for loan losses | 375,000 | 375,000 | 125,000 | 475,000 |
| Pretax income | 5,429,000 | 9,853,000 | 14,963,000 | 18,223,000 |
| Income tax | 891,000 | 1,457,000 | 2,212,000 | 2,763,000 |
| Net income | 4,538,000 | 8,396,000 | 12,751,000 | 15,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,653,000 | 142,565,000 | 145,974,000 | 148,735,000 |
| Total capital | 151,372,000 | 155,026,000 | 158,882,000 | 162,375,000 |
| Risk-weighted assets | 935,781,000 | 995,920,000 | 1,032,309,000 | 1,091,010,000 |