Call reports 2023
EMBASSY BANK FOR THE LEHIGH VALLEY — 2023
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 1,659,239,000 | 1,682,225,000 | 1,676,265,000 | 1,656,711,000 |
| Total loans | 1,217,847,000 | 1,243,448,000 | 1,249,763,000 | 1,254,039,000 |
| Allowance for loan losses | 12,637,000 | 12,748,000 | 12,449,000 | 12,461,000 |
| Securities available for sale | 320,060,000 | 315,239,000 | 295,022,000 | 276,060,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,532,437,000 | 1,508,509,000 | 1,472,772,000 | 1,476,730,000 |
| Interest-bearing deposits | 1,158,395,000 | 1,162,324,000 | 1,151,610,000 | 1,147,619,000 |
| Noninterest-bearing deposits | 374,042,000 | 346,185,000 | 321,162,000 | 329,111,000 |
| Equity capital | 95,229,000 | 94,854,000 | 85,452,000 | 105,599,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 13,722,000 | 27,878,000 | 42,391,000 | 57,157,000 |
| Interest expense | 2,871,000 | 7,018,000 | 12,131,000 | 18,119,000 |
| Net interest income | 10,851,000 | 20,860,000 | 30,260,000 | 39,038,000 |
| Noninterest income | 658,000 | 1,334,000 | 1,903,000 | 2,629,000 |
| Noninterest expense | 6,738,000 | 13,458,000 | 19,868,000 | 25,778,000 |
| Provision for loan losses | 0 | 110,000 | -190,000 | -178,000 |
| Pretax income | 4,771,000 | 8,626,000 | 12,485,000 | 16,067,000 |
| Income tax | 880,000 | 1,574,000 | 2,280,000 | 2,923,000 |
| Net income | 3,891,000 | 7,052,000 | 10,205,000 | 13,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,980,000 | 143,301,000 | 146,407,000 | 149,299,000 |
| Total capital | 155,617,000 | 156,049,000 | 158,856,000 | 161,760,000 |
| Risk-weighted assets | 1,088,216,000 | 1,120,313,000 | 1,135,365,000 | 1,119,040,000 |