Call report 2003Q4
BANK OF EPHRAIM — 2003Q4
The 22 measures BANK OF EPHRAIM reported to the FFIEC for 2003Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 59,390,000 | USD | evidence → |
| Total loans | 37,570,000 | USD | evidence → |
| Allowance for loan losses | 2,056,000 | USD | evidence → |
| Securities available for sale | 1,834,000 | USD | evidence → |
| Securities held to maturity | 3,870,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 54,897,000 | USD | evidence → |
| Interest-bearing deposits | 39,117,000 | USD | evidence → |
| Noninterest-bearing deposits | 15,780,000 | USD | evidence → |
| Equity capital | 4,295,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 3,268,000 | USD | evidence → |
| Interest expense | 798,000 | USD | evidence → |
| Net interest income | 2,470,000 | USD | evidence → |
| Noninterest income | 514,000 | USD | evidence → |
| Noninterest expense | 2,233,000 | USD | evidence → |
| Provision for loan losses | 2,072,000 | USD | evidence → |
| Pretax income | -1,321,000 | USD | evidence → |
| Income tax | -543,000 | USD | evidence → |
| Net income | -778,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 4,287,000 | USD | evidence → |
| Total capital | 4,840,000 | USD | evidence → |
| Risk-weighted assets | 42,785,000 | USD | evidence → |