Call reports 2014
EMBASSY BANK FOR THE LEHIGH VALLEY — 2014
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 702,810,000 | 701,780,000 | 717,182,000 | 718,735,000 |
| Total loans | 578,050,000 | 588,765,000 | 594,756,000 | 610,581,000 |
| Allowance for loan losses | 5,374,000 | 5,434,000 | 5,614,000 | 5,614,000 |
| Securities available for sale | 83,399,000 | 83,121,000 | 80,799,000 | 77,197,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,556,000 | 607,152,000 | 605,577,000 | 612,078,000 |
| Interest-bearing deposits | 548,187,000 | 540,384,000 | 538,821,000 | 543,201,000 |
| Noninterest-bearing deposits | 61,369,000 | 66,768,000 | 66,756,000 | 68,877,000 |
| Equity capital | 59,194,000 | 60,613,000 | 61,732,000 | 62,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 6,286,000 | 12,777,000 | 19,373,000 | 26,050,000 |
| Interest expense | 647,000 | 1,326,000 | 2,030,000 | 2,741,000 |
| Net interest income | 5,639,000 | 11,451,000 | 17,343,000 | 23,309,000 |
| Noninterest income | 548,000 | 1,117,000 | 1,728,000 | 2,392,000 |
| Noninterest expense | 3,948,000 | 7,906,000 | 11,851,000 | 16,051,000 |
| Provision for loan losses | 105,000 | 210,000 | 250,000 | 250,000 |
| Pretax income | 2,165,000 | 4,483,000 | 7,001,000 | 9,433,000 |
| Income tax | 617,000 | 1,267,000 | 1,984,000 | 2,657,000 |
| Net income | 1,548,000 | 3,216,000 | 5,017,000 | 6,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,391,000 | 59,333,000 | 60,338,000 | 61,510,000 |
| Total capital | 63,765,000 | 64,767,000 | 65,952,000 | 67,124,000 |
| Risk-weighted assets | 480,175,000 | 485,331,000 | 489,841,000 | 498,113,000 |
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