Call reports 2011
EMBASSY BANK FOR THE LEHIGH VALLEY — 2011
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 519,528,000 | 524,732,000 | 537,417,000 | 576,068,000 |
| Total loans | 380,217,000 | 392,704,000 | 411,826,000 | 423,341,000 |
| Allowance for loan losses | 3,789,000 | 3,912,000 | 4,104,000 | 4,215,000 |
| Securities available for sale | 88,615,000 | 88,049,000 | 88,626,000 | 92,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 426,863,000 | 432,380,000 | 449,223,000 | 482,483,000 |
| Interest-bearing deposits | 395,687,000 | 397,399,000 | 412,903,000 | 443,389,000 |
| Noninterest-bearing deposits | 31,176,000 | 34,981,000 | 36,320,000 | 39,094,000 |
| Equity capital | 43,507,000 | 45,310,000 | 46,819,000 | 49,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,819,000 | 11,627,000 | 17,704,000 | 23,716,000 |
| Interest expense | 1,149,000 | 2,278,000 | 3,405,000 | 4,568,000 |
| Net interest income | 4,670,000 | 9,349,000 | 14,299,000 | 19,148,000 |
| Noninterest income | 322,000 | 668,000 | 1,020,000 | 1,404,000 |
| Noninterest expense | 3,130,000 | 6,280,000 | 9,517,000 | 12,410,000 |
| Provision for loan losses | 165,000 | 303,000 | 541,000 | 734,000 |
| Pretax income | 1,697,000 | 3,434,000 | 5,748,000 | 7,895,000 |
| Income tax | 486,000 | 987,000 | 1,685,000 | 2,303,000 |
| Net income | 1,211,000 | 2,447,000 | 4,063,000 | 5,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,712,000 | 43,530,000 | 44,866,000 | 46,648,000 |
| Total capital | 46,501,000 | 47,442,000 | 48,970,000 | 50,863,000 |
| Risk-weighted assets | 341,502,000 | 350,840,000 | 364,724,000 | 367,650,000 |
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