Call reports 2021
EMBASSY BANK FOR THE LEHIGH VALLEY — 2021
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 1,466,935,000 | 1,515,738,000 | 1,566,405,000 | 1,633,617,000 |
| Total loans | 1,146,504,000 | 1,149,446,000 | 1,134,518,000 | 1,116,607,000 |
| Allowance for loan losses | 11,034,000 | 11,160,000 | 11,308,000 | 11,484,000 |
| Securities available for sale | 164,084,000 | 220,304,000 | 264,199,000 | 310,264,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,306,257,000 | 1,350,912,000 | 1,401,043,000 | 1,467,539,000 |
| Interest-bearing deposits | 1,014,227,000 | 1,043,244,000 | 1,089,767,000 | 1,143,545,000 |
| Noninterest-bearing deposits | 292,030,000 | 307,668,000 | 311,276,000 | 323,994,000 |
| Equity capital | 113,877,000 | 115,790,000 | 119,194,000 | 122,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 11,790,000 | 23,353,000 | 35,617,000 | 47,506,000 |
| Interest expense | 1,138,000 | 2,160,000 | 3,098,000 | 4,012,000 |
| Net interest income | 10,652,000 | 21,193,000 | 32,519,000 | 43,494,000 |
| Noninterest income | 508,000 | 1,130,000 | 1,638,000 | 2,376,000 |
| Noninterest expense | 5,578,000 | 11,394,000 | 17,422,000 | 23,645,000 |
| Provision for loan losses | 465,000 | 590,000 | 740,000 | 915,000 |
| Pretax income | 5,141,000 | 10,363,000 | 16,019,000 | 21,334,000 |
| Income tax | 1,012,000 | 2,019,000 | 3,136,000 | 4,163,000 |
| Net income | 4,129,000 | 8,344,000 | 12,883,000 | 17,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,970,000 | 114,779,000 | 119,291,000 | 123,520,000 |
| Total capital | 124,004,000 | 125,939,000 | 130,599,000 | 135,004,000 |
| Risk-weighted assets | 934,993,000 | 956,066,000 | 968,380,000 | 963,063,000 |