Call reports 2011
EMBASSY NATIONAL BANK — 2011
What EMBASSY NATIONAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 64,170,000 | 56,369,000 | 55,601,000 | 55,064,000 |
| Total loans | 41,611,000 | 39,362,000 | 37,563,000 | 36,615,000 |
| Allowance for loan losses | 1,306,000 | 1,203,000 | 1,247,000 | 1,231,000 |
| Securities available for sale | 148,000 | 138,000 | 127,000 | 114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,213,000 | 47,366,000 | 46,550,000 | 46,325,000 |
| Interest-bearing deposits | 48,455,000 | 42,543,000 | 40,930,000 | 40,137,000 |
| Noninterest-bearing deposits | 4,758,000 | 4,823,000 | 5,620,000 | 6,188,000 |
| Equity capital | 8,135,000 | 8,659,000 | 8,864,000 | 8,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 826,000 | 1,474,000 | 2,113,000 | 2,768,000 |
| Interest expense | 215,000 | 361,000 | 471,000 | 555,000 |
| Net interest income | 611,000 | 1,113,000 | 1,642,000 | 2,213,000 |
| Noninterest income | 1,449,000 | 2,589,000 | 3,160,000 | 3,050,000 |
| Noninterest expense | 933,000 | 2,028,000 | 2,909,000 | 3,763,000 |
| Provision for loan losses | 79,000 | 105,000 | 121,000 | 121,000 |
| Pretax income | 1,048,000 | 1,569,000 | 1,772,000 | 1,379,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,048,000 | 1,569,000 | 1,772,000 | 1,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,135,000 | 8,659,000 | 8,864,000 | 8,471,000 |
| Total capital | 8,783,000 | 9,249,000 | 9,436,000 | 9,021,000 |
| Risk-weighted assets | 51,156,000 | 46,624,000 | 45,050,000 | 43,342,000 |