Call reports 2010
EMBASSY BANK FOR THE LEHIGH VALLEY — 2010
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 475,999,000 | 492,426,000 | 512,321,000 | 514,154,000 |
| Total loans | 359,537,000 | 372,174,000 | 382,363,000 | 388,165,000 |
| Allowance for loan losses | 3,730,000 | 4,034,000 | 3,961,000 | 3,709,000 |
| Securities available for sale | 77,446,000 | 76,825,000 | 93,589,000 | 89,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,141,000 | 406,796,000 | 412,057,000 | 415,682,000 |
| Interest-bearing deposits | 364,577,000 | 379,470,000 | 373,830,000 | 382,974,000 |
| Noninterest-bearing deposits | 23,564,000 | 27,326,000 | 38,227,000 | 32,708,000 |
| Equity capital | 40,125,000 | 40,822,000 | 42,755,000 | 42,008,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,787,000 | 11,732,000 | 17,799,000 | 23,894,000 |
| Interest expense | 1,528,000 | 2,958,000 | 4,298,000 | 5,516,000 |
| Net interest income | 4,259,000 | 8,774,000 | 13,501,000 | 18,378,000 |
| Noninterest income | 252,000 | 545,000 | 842,000 | 1,157,000 |
| Noninterest expense | 2,775,000 | 5,748,000 | 8,668,000 | 11,748,000 |
| Provision for loan losses | 180,000 | 483,000 | 833,000 | 1,318,000 |
| Pretax income | 1,556,000 | 3,088,000 | 4,842,000 | 7,129,000 |
| Income tax | 459,000 | 911,000 | 1,422,000 | 2,112,000 |
| Net income | 1,097,000 | 2,177,000 | 3,420,000 | 5,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,561,000 | 39,221,000 | 40,395,000 | 41,712,000 |
| Total capital | 42,291,000 | 43,255,000 | 44,356,000 | 45,421,000 |
| Risk-weighted assets | 329,290,000 | 339,405,000 | 342,597,000 | 350,592,000 |
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