Call reports 2025
EPHRATA NATIONAL BANK — 2025
What EPHRATA NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,219,744,000 | 2,224,234,000 | 2,221,119,000 | 2,256,965,000 |
| Total loans | 1,446,746,000 | 1,465,541,000 | 1,483,525,000 | 1,518,333,000 |
| Allowance for loan losses | 16,537,000 | 16,543,000 | 16,637,000 | 16,886,000 |
| Securities available for sale | 595,588,000 | 592,093,000 | 590,368,000 | 579,468,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,894,860,000 | 1,897,034,000 | 1,885,310,000 | 1,914,564,000 |
| Interest-bearing deposits | 1,259,377,000 | 1,267,769,000 | 1,261,479,000 | 1,224,271,000 |
| Noninterest-bearing deposits | 635,483,000 | 629,265,000 | 623,831,000 | 690,293,000 |
| Equity capital | 171,330,000 | 175,645,000 | 188,689,000 | 198,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 25,550,000 | 51,952,000 | 79,002,000 | 106,057,000 |
| Interest expense | 8,889,000 | 17,814,000 | 26,817,000 | 35,298,000 |
| Net interest income | 16,661,000 | 34,138,000 | 52,185,000 | 70,759,000 |
| Noninterest income | 4,296,000 | 8,573,000 | 13,475,000 | 18,243,000 |
| Noninterest expense | 14,280,000 | 28,160,000 | 42,783,000 | 58,118,000 |
| Provision for loan losses | 425,000 | 491,000 | 591,000 | 856,000 |
| Pretax income | 5,886,000 | 13,632,000 | 21,938,000 | 29,685,000 |
| Income tax | 1,106,000 | 2,605,000 | 4,229,000 | 5,718,000 |
| Net income | 4,780,000 | 11,027,000 | 17,709,000 | 23,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 204,946,000 | 209,340,000 | 214,694,000 | 220,706,000 |
| Total capital | 222,866,000 | 227,326,000 | 232,695,000 | 238,945,000 |
| Risk-weighted assets | 1,527,452,000 | 1,538,417,000 | 1,558,594,000 | 1,591,182,000 |