Call reports 2022
EMBASSY BANK FOR THE LEHIGH VALLEY — 2022
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,641,484,000 | 1,653,075,000 | 1,616,290,000 | 1,640,563,000 |
| Total loans | 1,106,395,000 | 1,148,383,000 | 1,182,283,000 | 1,208,899,000 |
| Allowance for loan losses | 11,485,000 | 11,836,000 | 12,178,000 | 12,449,000 |
| Securities available for sale | 342,117,000 | 324,876,000 | 311,890,000 | 316,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,506,998,000 | 1,535,700,000 | 1,507,515,000 | 1,521,699,000 |
| Interest-bearing deposits | 1,165,928,000 | 1,161,009,000 | 1,132,685,000 | 1,139,340,000 |
| Noninterest-bearing deposits | 341,070,000 | 374,691,000 | 374,830,000 | 382,359,000 |
| Equity capital | 102,656,000 | 86,695,000 | 75,816,000 | 88,068,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 11,589,000 | 23,783,000 | 36,784,000 | 50,385,000 |
| Interest expense | 897,000 | 1,784,000 | 2,695,000 | 4,102,000 |
| Net interest income | 10,692,000 | 21,999,000 | 34,089,000 | 46,283,000 |
| Noninterest income | 770,000 | 1,096,000 | 1,680,000 | 2,343,000 |
| Noninterest expense | 6,190,000 | 12,591,000 | 18,934,000 | 25,178,000 |
| Provision for loan losses | 0 | 350,000 | 625,000 | 895,000 |
| Pretax income | 5,272,000 | 10,154,000 | 16,210,000 | 22,553,000 |
| Income tax | 971,000 | 1,964,000 | 3,151,000 | 4,403,000 |
| Net income | 4,301,000 | 8,190,000 | 13,059,000 | 18,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 127,905,000 | 129,260,000 | 134,111,000 | 139,175,000 |
| Total capital | 139,390,000 | 141,096,000 | 146,289,000 | 151,624,000 |
| Risk-weighted assets | 980,303,000 | 1,022,377,000 | 1,055,923,000 | 1,076,991,000 |