The Ephrata National Bank in Ephrata, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches


The Ephrata National Bank - Overview

  • General
  • FDIC Certificate #: 7493
    Status: Active
    Federal Reserve ID: 425911
    Bank Holding Company (Regulatory Top Holder): Hibshman Trust For Ephrata National Bank Stock, The (RSSDID: 1116681, Location: Ephrata, PA)
    Date Established: March 17, 1881
    WWW: http://www.epnb.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Domestic: 11, Interstate: No)
    FDIC's unique #: 4864
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 31 East Main Street, Ephrata, PA 17522
    County: Lancaster
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
    Metropolitan Statistical Area (MSA): Lancaster, PA (#4000)
    Core Based Statistical Area (CBSA): Lancaster, PA (#29540)
    CBSA Metro Statistical Area: Lancaster, PA (#29540)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $764.1 mil
    Equity capital: $81.6 mil
    Deposits held in domestic offices: $606.5 mil
    Return on assets (ROA): 0.96% ($7.3 mil)
    Quarterly return on assets: 0.98% ($7.5 mil)
    Return on Equity (ROE): 9.36% ($7.7 mil)
    Quarterly return on equity: 9.28% ($7.6 mil)
    Net income: $7.3 mil
    Quarterly Net income: $1.9 mil
    Pretax return on assets: 1.12% ($8,558.2 mil)
    Quarterly Pretax return on assets: 1.15% ($8,787.4 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 203Total employees (full-time equivalent)
  • $764,126Total assets
  • $31,886Cash and due from depository institutions
  • $19,375Interest-bearing balances
  • $277,047Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $406,084Net loans & leases
  • $8,480Loan loss allowance
  • $0Trading account assets
  • $21,366Bank premises and fixed assets
  • $0Other real estate owned
  • $26Goodwill and other intangibles
  • $764,126Life insurance assets
  • $27,717All other assets
  • $682,511Total liabilities and capital
  • $606,478Total liabilities
  • $456,168Total deposits
  • $606,478Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $73,000Trading liabilities
  • $0Other borrowed funds
  • $3,033Subordinated debt
  • $81,615All other liabilities
  • $81,615Total equity capital
  • $81,615Total bank equity capital
  • $0Perpetual preferred stock
  • $574Common stock
  • $4,457Surplus
  • $76,584Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $1,926Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,969Income earned, not collected on loans
  • $0Earning assets
  • $3,157Long-term assets (5+ years)
  • $702,506Average Assets, year-to-date
  • $382,182Average Assets, quarterly
  • $758,123Volatile liabilities
  • $766,452Insider loans
  • $470,872FHLB advances
  • $765,488Loans and leases held for sale
  • $16,552Unused loan commitments
  • $16,552Tier 1 (core) risk-based capital
  • $77,359Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $113,536Restructured Loans and leases
  • $22,841Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $31,233Total interest income
  • $8,246Total interest expense
  • $22,987Net interest income
  • $1,575Provision for loan and lease losses
  • $5,582Total noninterest income
  • $805Fiduciary activities
  • $1,305Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,472Additional noninterest income
  • $20,038Total noninterest expense
  • $11,501Salaries and employee benefits
  • $2,446Premises and equipment expense
  • $6,091Additional noninterest expense
  • $6,956Pre-tax net operating income
  • $1,500Securities gains (losses)
  • $1,186Applicable income taxes
  • $7,270Income before extraordinary items
  • $0Extraordinary gains - net
  • $7,270Net income attributable to bank
  • $0Net charge-offs
  • $7,270Cash dividends
  • $227Sale, conversion, retirement of capital stock, net
  • $2,741Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 1.19%Cost of funding earning assets
  • 3.31%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 2.88%Noninterest expense to earning assets
  • 0.79%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.12%Pretax return on assets
  • 9.36%Return on equity (ROE)
  • 5.83%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 693.83%Credit loss provision to net charge-offs
  • 37.58%Efficiency ratio
  • 70,139Assets per employee
  • 3.76%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 37.70%Loss allowance to loans
  • 2.05%Loss allowance to noncurrent loans
  • 430.68%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 66.96%Net loans and leases to core deposits
  • 70.21%Equity capital to assets
  • 10.68%Core capital (leverage) ratio
  • 10.11%Tier 1 risk-based capital ratio
  • 16.43%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $758,123Average earning assets
  • $77,652Average equity
  • $694,645Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $158,877Managed Assets
  • 1Number of Accounts
  • $112,659Personal trust and agency accounts
  • $23,238Employee benefit-defined contribution accounts
  • $15,737Employee benefit-defined benefit accounts
  • $2,198Other retirement accounts
  • $10,982Corporate trust and agency accounts
  • $14,533Investment management agency accounts
  • $16,438Other fiduciary accounts
  • $25,993Fiduciary accounts held in foreign offices
  • $3,540Non-managed Assets
  • 434Number of Accounts
  • $0Personal trust and agency accounts
  • $10,982Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $46,218Other retirement accounts
  • $8,484Corporate trust and agency accounts
  • $7,137Other fiduciary accounts
  • $2,348Fiduciary accounts held in foreign offices

List of branches

  • 11 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04864The Ephrata National Bank31 East Main Street, Ephrata, PA 17522March 17, 1881Full Service Brick and Mortar
    1215709Cloister Branch809 Martin Avenue, Ephrata, PA 17522January 23, 1967Full Service Brick and Mortar
    2215710Hinkletown Branch935 N. Railroad Avenue, New Holland, PA 17557April 01, 1974Full Service Brick and Mortar
    3215711Denver Branch1 Main St., Denver, PA 17517Febuary 02, 1981Full Service Brick and Mortar
    4215712Akron Office Branch351 South Seventh Street, Akron, PA 17501January 20, 1999Full Service Brick and Mortar
    5362943Lititz Branch3190 Lititz Pike, Lititz, PA 17543January 06, 2002Full Service Brick and Mortar
    6419624Technology Center Branch31 E Franklin Street, Ephrata, PA 17522May 12, 2003Limited Service Administrative
    7419625Money Management Group Branch47 E Main Street, Ephrata, PA 17522May 27, 2003Limited Service Trust
    8442557Main Office Drive-In Branch42 East Main St., Ephrata, PA 17522July 01, 2004Limited Service Facility
    9451959Blue Ball Branch110 Marble Avenue, East Earl, PA 17519August 16, 2005Full Service Brick and Mortar
    10492979Manheim Branch1 North Penryn Road, Manheim, PA 17545June 30, 2009Full Service Brick and Mortar

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