Call reports 2015
EMBASSY BANK FOR THE LEHIGH VALLEY — 2015
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 740,923,000 | 773,226,000 | 799,748,000 | 804,160,000 |
| Total loans | 624,982,000 | 656,765,000 | 685,029,000 | 690,115,000 |
| Allowance for loan losses | 5,635,000 | 5,700,000 | 5,964,000 | 6,068,000 |
| Securities available for sale | 85,284,000 | 83,727,000 | 79,655,000 | 77,253,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 609,657,000 | 620,007,000 | 634,370,000 | 660,477,000 |
| Interest-bearing deposits | 539,374,000 | 543,378,000 | 550,855,000 | 570,307,000 |
| Noninterest-bearing deposits | 70,283,000 | 76,629,000 | 83,515,000 | 90,170,000 |
| Equity capital | 64,749,000 | 64,698,000 | 66,443,000 | 68,047,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 6,854,000 | 13,713,000 | 20,967,000 | 28,253,000 |
| Interest expense | 692,000 | 1,426,000 | 2,222,000 | 3,052,000 |
| Net interest income | 6,162,000 | 12,287,000 | 18,745,000 | 25,201,000 |
| Noninterest income | 584,000 | 1,261,000 | 1,889,000 | 2,657,000 |
| Noninterest expense | 4,047,000 | 8,268,000 | 12,386,000 | 16,759,000 |
| Provision for loan losses | 22,000 | 142,000 | 412,000 | 532,000 |
| Pretax income | 2,816,000 | 5,277,000 | 8,000,000 | 10,731,000 |
| Income tax | 812,000 | 1,505,000 | 2,299,000 | 3,066,000 |
| Net income | 2,004,000 | 3,772,000 | 5,701,000 | 7,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,153,000 | 63,673,000 | 65,114,000 | 66,812,000 |
| Total capital | 68,788,000 | 69,373,000 | 71,078,000 | 72,880,000 |
| Risk-weighted assets | 519,273,000 | 544,138,000 | 572,575,000 | 580,263,000 |