Call reports 2017
EMBASSY BANK FOR THE LEHIGH VALLEY — 2017
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 964,164,000 | 975,077,000 | 989,526,000 | 997,353,000 |
| Total loans | 811,288,000 | 829,323,000 | 838,029,000 | 858,751,000 |
| Allowance for loan losses | 6,619,000 | 6,761,000 | 6,850,000 | 7,040,000 |
| Securities available for sale | 95,292,000 | 91,916,000 | 96,396,000 | 90,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 870,454,000 | 882,401,000 | 893,625,000 | 901,088,000 |
| Interest-bearing deposits | 747,561,000 | 756,276,000 | 758,403,000 | 760,880,000 |
| Noninterest-bearing deposits | 122,893,000 | 126,125,000 | 135,222,000 | 140,208,000 |
| Equity capital | 75,361,000 | 77,104,000 | 79,241,000 | 79,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,057,000 | 16,448,000 | 25,210,000 | 34,080,000 |
| Interest expense | 1,034,000 | 2,094,000 | 3,192,000 | 4,305,000 |
| Net interest income | 7,023,000 | 14,354,000 | 22,018,000 | 29,775,000 |
| Noninterest income | 771,000 | 1,552,000 | 2,335,000 | 2,956,000 |
| Noninterest expense | 4,864,000 | 9,685,000 | 14,603,000 | 19,467,000 |
| Provision for loan losses | 180,000 | 415,000 | 735,000 | 1,085,000 |
| Pretax income | 2,750,000 | 5,806,000 | 9,034,000 | 12,198,000 |
| Income tax | 788,000 | 1,675,000 | 2,618,000 | 4,644,000 |
| Net income | 1,962,000 | 4,131,000 | 6,416,000 | 7,554,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,064,000 | 76,238,000 | 78,494,000 | 79,669,000 |
| Total capital | 81,683,000 | 82,999,000 | 85,344,000 | 86,709,000 |
| Risk-weighted assets | 669,935,000 | 680,583,000 | 687,511,000 | 692,705,000 |