Call reports 2024
EMBASSY BANK FOR THE LEHIGH VALLEY — 2024
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 1,653,504,000 | 1,717,101,000 | 1,715,529,000 | 1,704,776,000 |
| Total loans | 1,271,505,000 | 1,262,724,000 | 1,258,730,000 | 1,268,422,000 |
| Allowance for loan losses | 12,543,000 | 12,246,000 | 12,206,000 | 12,166,000 |
| Securities available for sale | 266,158,000 | 258,812,000 | 308,057,000 | 280,828,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,509,644,000 | 1,571,240,000 | 1,535,771,000 | 1,553,631,000 |
| Interest-bearing deposits | 1,172,047,000 | 1,215,864,000 | 1,204,625,000 | 1,201,648,000 |
| Noninterest-bearing deposits | 337,597,000 | 355,376,000 | 331,146,000 | 351,983,000 |
| Equity capital | 103,428,000 | 102,454,000 | 114,254,000 | 106,257,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 15,097,000 | 31,216,000 | 48,138,000 | 64,971,000 |
| Interest expense | 6,378,000 | 13,609,000 | 21,361,000 | 28,787,000 |
| Net interest income | 8,719,000 | 17,607,000 | 26,777,000 | 36,184,000 |
| Noninterest income | 733,000 | 1,437,000 | 2,289,000 | 3,185,000 |
| Noninterest expense | 6,368,000 | 13,075,000 | 19,712,000 | 26,669,000 |
| Provision for loan losses | -158,000 | -444,000 | -484,000 | -525,000 |
| Pretax income | 3,156,000 | 6,324,000 | 9,739,000 | 13,133,000 |
| Income tax | 514,000 | 1,053,000 | 1,618,000 | 2,195,000 |
| Net income | 2,642,000 | 5,271,000 | 8,121,000 | 10,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 151,886,000 | 151,453,000 | 154,171,000 | 156,892,000 |
| Total capital | 164,515,000 | 163,788,000 | 166,476,000 | 169,150,000 |
| Risk-weighted assets | 1,137,372,000 | 1,128,715,000 | 1,129,536,000 | 1,132,758,000 |