Call reports 2023
EPHRATA NATIONAL BANK — 2023
What EPHRATA NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,886,501,000 | 1,901,772,000 | 1,906,088,000 | 1,997,990,000 |
| Total loans | 1,257,474,000 | 1,297,154,000 | 1,336,678,000 | 1,360,430,000 |
| Allowance for loan losses | 16,054,000 | 16,833,000 | 16,349,000 | 15,176,000 |
| Securities available for sale | 494,683,000 | 456,004,000 | 438,152,000 | 459,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,654,255,000 | 1,659,653,000 | 1,664,791,000 | 1,729,750,000 |
| Interest-bearing deposits | 1,007,471,000 | 1,021,591,000 | 1,077,844,000 | 1,114,830,000 |
| Noninterest-bearing deposits | 646,784,000 | 638,062,000 | 586,947,000 | 614,920,000 |
| Equity capital | 138,753,000 | 139,566,000 | 131,274,000 | 153,435,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 17,800,000 | 36,763,000 | 56,783,000 | 77,806,000 |
| Interest expense | 3,525,000 | 8,362,000 | 14,554,000 | 21,888,000 |
| Net interest income | 14,275,000 | 28,401,000 | 42,229,000 | 55,918,000 |
| Noninterest income | 3,259,000 | 6,742,000 | 10,400,000 | 14,194,000 |
| Noninterest expense | 12,269,000 | 25,324,000 | 38,273,000 | 50,994,000 |
| Provision for loan losses | 1,146,000 | 1,930,000 | 1,469,000 | 316,000 |
| Pretax income | 3,598,000 | 6,383,000 | 11,424,000 | 17,227,000 |
| Income tax | 557,000 | 976,000 | 1,887,000 | 2,951,000 |
| Net income | 3,041,000 | 5,407,000 | 9,537,000 | 14,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 179,386,000 | 180,809,000 | 183,995,000 | 187,790,000 |
| Total capital | 196,383,000 | 197,971,000 | 201,563,000 | 204,291,000 |
| Risk-weighted assets | 1,359,436,000 | 1,372,044,000 | 1,405,762,000 | 1,414,772,000 |