Call reports 2024
EPHRATA NATIONAL BANK — 2024
What EPHRATA NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,990,537,000 | 2,021,574,000 | 2,090,548,000 | 2,217,701,000 |
| Total loans | 1,382,248,000 | 1,384,901,000 | 1,412,505,000 | 1,431,265,000 |
| Allowance for loan losses | 14,616,000 | 14,339,000 | 14,742,000 | 16,122,000 |
| Securities available for sale | 446,774,000 | 437,729,000 | 517,801,000 | 616,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,723,964,000 | 1,756,152,000 | 1,816,556,000 | 1,890,788,000 |
| Interest-bearing deposits | 1,118,036,000 | 1,131,023,000 | 1,216,390,000 | 1,258,732,000 |
| Noninterest-bearing deposits | 605,928,000 | 625,129,000 | 600,166,000 | 632,056,000 |
| Equity capital | 156,250,000 | 160,678,000 | 170,781,000 | 166,696,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 21,553,000 | 43,962,000 | 67,452,000 | 92,794,000 |
| Interest expense | 7,710,000 | 15,657,000 | 24,508,000 | 34,177,000 |
| Net interest income | 13,843,000 | 28,305,000 | 42,944,000 | 58,617,000 |
| Noninterest income | 4,603,000 | 8,975,000 | 13,301,000 | 17,971,000 |
| Noninterest expense | 13,496,000 | 26,741,000 | 40,776,000 | 54,844,000 |
| Provision for loan losses | -540,000 | -817,000 | -400,000 | 1,017,000 |
| Pretax income | 5,503,000 | 11,299,000 | 15,732,000 | 20,632,000 |
| Income tax | 984,000 | 2,023,000 | 2,850,000 | 3,737,000 |
| Net income | 4,519,000 | 9,276,000 | 12,882,000 | 16,895,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,361,000 | 195,169,000 | 197,827,000 | 200,678,000 |
| Total capital | 207,198,000 | 210,799,000 | 213,940,000 | 218,123,000 |
| Risk-weighted assets | 1,435,289,000 | 1,443,284,000 | 1,483,120,000 | 1,518,066,000 |