Call reports 2018
EMBASSY BANK FOR THE LEHIGH VALLEY — 2018
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,021,733,000 | 1,066,014,000 | 1,077,041,000 | 1,099,655,000 |
| Total loans | 886,825,000 | 925,249,000 | 931,694,000 | 957,356,000 |
| Allowance for loan losses | 7,266,000 | 7,473,000 | 7,533,000 | 7,412,000 |
| Securities available for sale | 93,924,000 | 92,036,000 | 87,130,000 | 90,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 914,127,000 | 931,012,000 | 916,487,000 | 931,855,000 |
| Interest-bearing deposits | 752,104,000 | 773,816,000 | 769,493,000 | 782,906,000 |
| Noninterest-bearing deposits | 162,023,000 | 157,196,000 | 146,994,000 | 148,949,000 |
| Equity capital | 80,910,000 | 81,995,000 | 84,117,000 | 87,073,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 8,934,000 | 18,449,000 | 28,412,000 | 38,691,000 |
| Interest expense | 1,121,000 | 2,536,000 | 4,220,000 | 6,137,000 |
| Net interest income | 7,813,000 | 15,913,000 | 24,192,000 | 32,554,000 |
| Noninterest income | 395,000 | 797,000 | 1,231,000 | 1,867,000 |
| Noninterest expense | 5,017,000 | 10,052,000 | 15,339,000 | 20,617,000 |
| Provision for loan losses | 215,000 | 480,000 | 540,000 | 1,080,000 |
| Pretax income | 2,976,000 | 6,178,000 | 9,544,000 | 12,724,000 |
| Income tax | 545,000 | 1,136,000 | 1,751,000 | 2,354,000 |
| Net income | 2,431,000 | 5,042,000 | 7,793,000 | 10,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 82,180,000 | 83,556,000 | 86,296,000 | 88,320,000 |
| Total capital | 89,446,000 | 91,029,000 | 93,829,000 | 95,732,000 |
| Risk-weighted assets | 714,234,000 | 748,754,000 | 752,724,000 | 784,511,000 |