Call reports 2012
EMBASSY BANK FOR THE LEHIGH VALLEY — 2012
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 616,737,000 | 621,923,000 | 644,851,000 | 642,473,000 |
| Total loans | 436,247,000 | 462,140,000 | 483,780,000 | 505,219,000 |
| Allowance for loan losses | 4,345,000 | 4,760,000 | 4,820,000 | 5,147,000 |
| Securities available for sale | 99,481,000 | 97,288,000 | 98,661,000 | 91,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 526,382,000 | 535,905,000 | 544,090,000 | 553,540,000 |
| Interest-bearing deposits | 486,611,000 | 491,622,000 | 495,253,000 | 501,278,000 |
| Noninterest-bearing deposits | 39,771,000 | 44,283,000 | 48,837,000 | 52,262,000 |
| Equity capital | 50,235,000 | 51,443,000 | 53,124,000 | 54,328,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 6,002,000 | 12,108,000 | 18,320,000 | 24,498,000 |
| Interest expense | 1,108,000 | 2,067,000 | 2,946,000 | 3,720,000 |
| Net interest income | 4,894,000 | 10,041,000 | 15,374,000 | 20,778,000 |
| Noninterest income | 283,000 | 676,000 | 977,000 | 1,350,000 |
| Noninterest expense | 3,296,000 | 6,553,000 | 9,833,000 | 13,412,000 |
| Provision for loan losses | 130,000 | 575,000 | 810,000 | 1,183,000 |
| Pretax income | 1,751,000 | 3,589,000 | 6,341,000 | 8,688,000 |
| Income tax | 479,000 | 985,000 | 1,795,000 | 2,461,000 |
| Net income | 1,272,000 | 2,604,000 | 4,546,000 | 6,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,785,000 | 48,748,000 | 50,502,000 | 52,046,000 |
| Total capital | 52,130,000 | 53,508,000 | 55,322,000 | 57,193,000 |
| Risk-weighted assets | 370,318,000 | 395,167,000 | 410,608,000 | 429,995,000 |
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