Call reports 2016
EMBASSY BANK FOR THE LEHIGH VALLEY — 2016
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 853,087,000 | 860,873,000 | 889,964,000 | 924,720,000 |
| Total loans | 711,390,000 | 731,578,000 | 756,185,000 | 799,115,000 |
| Allowance for loan losses | 6,209,000 | 6,279,000 | 6,240,000 | 6,517,000 |
| Securities available for sale | 75,214,000 | 89,879,000 | 90,037,000 | 85,598,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 752,224,000 | 775,558,000 | 802,151,000 | 833,758,000 |
| Interest-bearing deposits | 659,295,000 | 677,196,000 | 694,679,000 | 716,176,000 |
| Noninterest-bearing deposits | 92,929,000 | 98,362,000 | 107,472,000 | 117,582,000 |
| Equity capital | 69,994,000 | 71,184,000 | 72,689,000 | 73,037,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 7,314,000 | 14,751,000 | 22,414,000 | 30,322,000 |
| Interest expense | 896,000 | 1,863,000 | 2,869,000 | 3,899,000 |
| Net interest income | 6,418,000 | 12,888,000 | 19,545,000 | 26,423,000 |
| Noninterest income | 657,000 | 1,267,000 | 2,010,000 | 2,868,000 |
| Noninterest expense | 4,585,000 | 9,168,000 | 13,847,000 | 18,576,000 |
| Provision for loan losses | 185,000 | 255,000 | 420,000 | 770,000 |
| Pretax income | 2,305,000 | 4,732,000 | 7,638,000 | 10,295,000 |
| Income tax | 662,000 | 1,358,000 | 2,199,000 | 2,941,000 |
| Net income | 1,643,000 | 3,374,000 | 5,439,000 | 7,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,474,000 | 69,250,000 | 71,125,000 | 73,061,000 |
| Total capital | 74,683,000 | 75,529,000 | 77,365,000 | 79,578,000 |
| Risk-weighted assets | 588,528,000 | 601,119,000 | 621,466,000 | 652,383,000 |