Call reports 2020
EMBASSY BANK FOR THE LEHIGH VALLEY — 2020
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,194,939,000 | 1,368,913,000 | 1,365,154,000 | 1,442,344,000 |
| Total loans | 1,033,058,000 | 1,103,506,000 | 1,125,623,000 | 1,144,242,000 |
| Allowance for loan losses | 8,366,000 | 9,017,000 | 9,718,000 | 10,570,000 |
| Securities available for sale | 87,860,000 | 136,388,000 | 121,646,000 | 130,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,048,442,000 | 1,157,711,000 | 1,149,742,000 | 1,232,875,000 |
| Interest-bearing deposits | 859,703,000 | 909,339,000 | 888,369,000 | 962,406,000 |
| Noninterest-bearing deposits | 188,739,000 | 248,372,000 | 261,373,000 | 270,469,000 |
| Equity capital | 102,722,000 | 104,831,000 | 108,259,000 | 111,950,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 10,855,000 | 21,747,000 | 32,938,000 | 44,329,000 |
| Interest expense | 2,064,000 | 3,712,000 | 5,146,000 | 6,413,000 |
| Net interest income | 8,791,000 | 18,035,000 | 27,792,000 | 37,916,000 |
| Noninterest income | 300,000 | 939,000 | 1,541,000 | 2,317,000 |
| Noninterest expense | 5,623,000 | 10,804,000 | 16,146,000 | 21,661,000 |
| Provision for loan losses | 320,000 | 970,000 | 1,670,000 | 2,520,000 |
| Pretax income | 3,148,000 | 7,328,000 | 11,645,000 | 16,180,000 |
| Income tax | 604,000 | 1,373,000 | 2,180,000 | 3,011,000 |
| Net income | 2,544,000 | 5,955,000 | 9,465,000 | 13,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 99,957,000 | 101,841,000 | 105,307,000 | 109,013,000 |
| Total capital | 108,323,000 | 110,858,000 | 115,025,000 | 119,583,000 |
| Risk-weighted assets | 835,563,000 | 842,965,000 | 886,488,000 | 913,989,000 |