Call reports 2019
EMBASSY BANK FOR THE LEHIGH VALLEY — 2019
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,123,228,000 | 1,134,702,000 | 1,161,768,000 | 1,176,422,000 |
| Total loans | 967,953,000 | 974,275,000 | 986,754,000 | 1,014,139,000 |
| Allowance for loan losses | 7,546,000 | 7,641,000 | 7,762,000 | 8,022,000 |
| Securities available for sale | 85,354,000 | 90,058,000 | 95,892,000 | 90,829,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,001,418,000 | 1,013,006,000 | 1,035,318,000 | 1,032,322,000 |
| Interest-bearing deposits | 841,290,000 | 847,028,000 | 858,903,000 | 860,153,000 |
| Noninterest-bearing deposits | 160,128,000 | 165,978,000 | 176,415,000 | 172,169,000 |
| Equity capital | 91,369,000 | 93,531,000 | 96,526,000 | 99,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 10,384,000 | 21,085,000 | 31,950,000 | 42,862,000 |
| Interest expense | 2,170,000 | 4,530,000 | 6,969,000 | 9,329,000 |
| Net interest income | 8,214,000 | 16,555,000 | 24,981,000 | 33,533,000 |
| Noninterest income | 578,000 | 1,089,000 | 1,601,000 | 2,202,000 |
| Noninterest expense | 5,455,000 | 10,845,000 | 16,052,000 | 21,319,000 |
| Provision for loan losses | 130,000 | 225,000 | 345,000 | 605,000 |
| Pretax income | 3,207,000 | 6,574,000 | 10,185,000 | 13,811,000 |
| Income tax | 575,000 | 1,209,000 | 1,905,000 | 2,578,000 |
| Net income | 2,632,000 | 5,365,000 | 8,280,000 | 11,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 91,018,000 | 92,371,000 | 95,213,000 | 98,230,000 |
| Total capital | 98,564,000 | 100,012,000 | 102,975,000 | 106,252,000 |
| Risk-weighted assets | 793,599,000 | 792,788,000 | 815,799,000 | 819,803,000 |