Call reports 2009
EMBASSY BANK FOR THE LEHIGH VALLEY — 2009
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 453,463,000 | 451,885,000 | 461,897,000 | 465,315,000 |
| Total loans | 330,005,000 | 340,820,000 | 348,257,000 | 349,918,000 |
| Allowance for loan losses | 3,089,000 | 3,284,000 | 3,479,000 | 3,598,000 |
| Securities available for sale | 66,049,000 | 69,923,000 | 76,607,000 | 72,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 350,405,000 | 365,215,000 | 373,114,000 | 381,768,000 |
| Interest-bearing deposits | 333,152,000 | 345,295,000 | 352,478,000 | 355,970,000 |
| Noninterest-bearing deposits | 17,253,000 | 19,920,000 | 20,636,000 | 25,798,000 |
| Equity capital | 34,069,000 | 35,343,000 | 38,477,000 | 38,848,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,371,000 | 11,081,000 | 16,948,000 | 22,755,000 |
| Interest expense | 2,614,000 | 5,037,000 | 7,137,000 | 8,949,000 |
| Net interest income | 2,757,000 | 6,044,000 | 9,811,000 | 13,806,000 |
| Noninterest income | 186,000 | 393,000 | 604,000 | 872,000 |
| Noninterest expense | 2,227,000 | 4,617,000 | 7,019,000 | 9,837,000 |
| Provision for loan losses | 172,000 | 367,000 | 562,000 | 702,000 |
| Pretax income | 544,000 | 1,453,000 | 2,834,000 | 4,313,000 |
| Income tax | 183,000 | 455,000 | 877,000 | 1,324,000 |
| Net income | 361,000 | 998,000 | 1,957,000 | 2,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,965,000 | 34,232,000 | 36,433,000 | 37,464,000 |
| Total capital | 36,054,000 | 37,516,000 | 39,912,000 | 41,062,000 |
| Risk-weighted assets | 308,272,000 | 313,344,000 | 317,593,000 | 320,522,000 |
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