Call reports 2012
EMBASSY NATIONAL BANK — 2012
What EMBASSY NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 53,758,000 | 51,478,000 | 50,679,000 | 53,156,000 |
| Total loans | 37,038,000 | 36,379,000 | 36,934,000 | 41,764,000 |
| Allowance for loan losses | 1,259,000 | 1,248,000 | 1,180,000 | 1,282,000 |
| Securities available for sale | 105,000 | 94,000 | 86,000 | 77,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,135,000 | 42,888,000 | 42,689,000 | 45,099,000 |
| Interest-bearing deposits | 38,450,000 | 36,162,000 | 37,349,000 | 39,005,000 |
| Noninterest-bearing deposits | 6,685,000 | 6,726,000 | 5,340,000 | 6,094,000 |
| Equity capital | 8,377,000 | 8,206,000 | 7,546,000 | 7,669,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 613,000 | 1,192,000 | 1,774,000 | 2,394,000 |
| Interest expense | 79,000 | 153,000 | 227,000 | 301,000 |
| Net interest income | 534,000 | 1,039,000 | 1,547,000 | 2,093,000 |
| Noninterest income | 232,000 | 498,000 | 277,000 | 979,000 |
| Noninterest expense | 827,000 | 1,693,000 | 2,640,000 | 3,419,000 |
| Provision for loan losses | 35,000 | 111,000 | 111,000 | 456,000 |
| Pretax income | -96,000 | -267,000 | -927,000 | -803,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -96,000 | -267,000 | -927,000 | -803,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,377,000 | 8,206,000 | 7,544,000 | 7,669,000 |
| Total capital | 8,931,000 | 8,746,000 | 8,076,000 | 8,241,000 |
| Risk-weighted assets | 42,868,000 | 42,728,000 | 41,895,000 | 45,024,000 |