Call reports 2013
EMBASSY BANK FOR THE LEHIGH VALLEY — 2013
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 636,349,000 | 644,653,000 | 662,261,000 | 670,914,000 |
| Total loans | 520,631,000 | 533,402,000 | 551,358,000 | 568,583,000 |
| Allowance for loan losses | 5,011,000 | 5,069,000 | 5,291,000 | 5,326,000 |
| Securities available for sale | 86,687,000 | 78,145,000 | 80,763,000 | 71,288,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,454,000 | 545,576,000 | 559,163,000 | 569,789,000 |
| Interest-bearing deposits | 494,020,000 | 492,904,000 | 502,873,000 | 510,332,000 |
| Noninterest-bearing deposits | 48,434,000 | 52,672,000 | 56,290,000 | 59,457,000 |
| Equity capital | 55,309,000 | 54,441,000 | 55,494,000 | 57,359,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 6,015,000 | 12,119,000 | 18,311,000 | 24,665,000 |
| Interest expense | 704,000 | 1,362,000 | 1,987,000 | 2,606,000 |
| Net interest income | 5,311,000 | 10,757,000 | 16,324,000 | 22,059,000 |
| Noninterest income | 497,000 | 979,000 | 1,538,000 | 1,951,000 |
| Noninterest expense | 3,766,000 | 7,489,000 | 11,209,000 | 15,043,000 |
| Provision for loan losses | 280,000 | 532,000 | 842,000 | 992,000 |
| Pretax income | 1,762,000 | 3,715,000 | 5,811,000 | 8,312,000 |
| Income tax | 486,000 | 1,039,000 | 1,627,000 | 2,353,000 |
| Net income | 1,276,000 | 2,676,000 | 4,184,000 | 5,959,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,073,000 | 53,825,000 | 55,026,000 | 56,820,000 |
| Total capital | 58,084,000 | 58,894,000 | 60,317,000 | 62,146,000 |
| Risk-weighted assets | 440,254,000 | 458,753,000 | 462,936,000 | 471,852,000 |
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