Call reports 2009
EMBASSY NATIONAL BANK — 2009
What EMBASSY NATIONAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 52,792,000 | 58,822,000 | 68,879,000 | 59,889,000 |
| Total loans | 39,003,000 | 43,443,000 | 45,468,000 | 45,786,000 |
| Allowance for loan losses | 901,000 | 934,000 | 1,911,000 | 1,256,000 |
| Securities available for sale | 0 | 240,000 | 232,000 | 221,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,203,000 | 48,695,000 | 59,797,000 | 50,194,000 |
| Interest-bearing deposits | 36,611,000 | 43,153,000 | 52,508,000 | 45,979,000 |
| Noninterest-bearing deposits | 5,592,000 | 5,542,000 | 7,289,000 | 4,215,000 |
| Equity capital | 10,417,000 | 9,961,000 | 8,917,000 | 7,789,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 458,000 | 1,059,000 | 1,860,000 | 2,747,000 |
| Interest expense | 209,000 | 435,000 | 700,000 | 966,000 |
| Net interest income | 249,000 | 624,000 | 1,160,000 | 1,781,000 |
| Noninterest income | 1,000 | 3,000 | -240,000 | -582,000 |
| Noninterest expense | 637,000 | 1,307,000 | 1,949,000 | 2,705,000 |
| Provision for loan losses | 245,000 | 410,000 | 1,107,000 | 1,760,000 |
| Pretax income | -632,000 | -1,090,000 | -2,136,000 | -3,266,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -632,000 | -1,090,000 | -2,136,000 | -3,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,417,000 | 9,961,000 | 8,917,000 | 7,789,000 |
| Total capital | 10,921,000 | 10,552,000 | 9,580,000 | 8,466,000 |
| Risk-weighted assets | 43,399,000 | 51,333,000 | 51,831,000 | 53,082,000 |
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