Call reports 2004
BANK OF EPHRAIM — 2004
What BANK OF EPHRAIM reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 |
|---|---|
| Total assets | 56,774,000 |
| Total loans | 36,910,000 |
| Allowance for loan losses | 1,856,000 |
| Securities available for sale | 2,329,000 |
| Securities held to maturity | 3,179,000 |
| Trading assets | 0 |
| Total deposits | 52,329,000 |
| Interest-bearing deposits | 40,054,000 |
| Noninterest-bearing deposits | 12,275,000 |
| Equity capital | 4,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 |
|---|---|
| Interest income | 739,000 |
| Interest expense | 162,000 |
| Net interest income | 577,000 |
| Noninterest income | 151,000 |
| Noninterest expense | 538,000 |
| Provision for loan losses | 160,000 |
| Pretax income | 30,000 |
| Income tax | 0 |
| Net income | 30,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 |
|---|---|
| Tier 1 capital | 4,317,000 |
| Total capital | 4,866,000 |
| Risk-weighted assets | 42,664,000 |