Call reports 2025
EMBASSY BANK FOR THE LEHIGH VALLEY — 2025
What EMBASSY BANK FOR THE LEHIGH VALLEY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,754,946,000 | 1,759,683,000 | 1,778,447,000 | 1,800,976,000 |
| Total loans | 1,273,009,000 | 1,281,933,000 | 1,280,080,000 | 1,291,240,000 |
| Allowance for loan losses | 12,222,000 | 11,905,000 | 11,941,000 | 12,039,000 |
| Securities available for sale | 327,011,000 | 328,290,000 | 334,314,000 | 341,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,612,425,000 | 1,614,424,000 | 1,621,125,000 | 1,640,990,000 |
| Interest-bearing deposits | 1,262,913,000 | 1,260,027,000 | 1,284,550,000 | 1,283,100,000 |
| Noninterest-bearing deposits | 349,512,000 | 354,397,000 | 336,575,000 | 357,890,000 |
| Equity capital | 112,084,000 | 114,062,000 | 122,235,000 | 127,354,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 16,938,000 | 34,664,000 | 52,919,000 | 71,463,000 |
| Interest expense | 7,110,000 | 14,417,000 | 21,821,000 | 29,038,000 |
| Net interest income | 9,828,000 | 20,247,000 | 31,098,000 | 42,425,000 |
| Noninterest income | 629,000 | 1,565,000 | 2,453,000 | 3,260,000 |
| Noninterest expense | 6,728,000 | 13,960,000 | 20,917,000 | 28,242,000 |
| Provision for loan losses | 56,000 | -109,000 | -73,000 | 25,000 |
| Pretax income | 3,682,000 | 7,983,000 | 12,738,000 | 17,334,000 |
| Income tax | 657,000 | 1,383,000 | 2,223,000 | 3,047,000 |
| Net income | 3,025,000 | 6,600,000 | 10,515,000 | 14,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 159,964,000 | 159,880,000 | 163,767,000 | 165,452,000 |
| Total capital | 172,269,000 | 171,855,000 | 175,769,000 | 177,667,000 |
| Risk-weighted assets | 1,136,961,000 | 1,143,513,000 | 1,141,467,000 | 1,150,408,000 |