Call reports 2013
EMBASSY NATIONAL BANK — 2013
What EMBASSY NATIONAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 52,293,000 | 51,309,000 | 56,153,000 | 57,205,000 |
| Total loans | 37,906,000 | 39,668,000 | 40,598,000 | 39,137,000 |
| Allowance for loan losses | 1,251,000 | 1,227,000 | 1,232,000 | 1,237,000 |
| Securities available for sale | 72,000 | 64,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,043,000 | 42,917,000 | 47,810,000 | 48,799,000 |
| Interest-bearing deposits | 37,648,000 | 36,924,000 | 41,855,000 | 42,390,000 |
| Noninterest-bearing deposits | 6,395,000 | 5,993,000 | 5,955,000 | 6,409,000 |
| Equity capital | 7,934,000 | 7,898,000 | 7,917,000 | 8,010,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 661,000 | 1,271,000 | 1,903,000 | 2,531,000 |
| Interest expense | 73,000 | 142,000 | 215,000 | 292,000 |
| Net interest income | 588,000 | 1,129,000 | 1,688,000 | 2,239,000 |
| Noninterest income | 628,000 | 841,000 | 971,000 | 1,193,000 |
| Noninterest expense | 951,000 | 1,740,000 | 2,409,000 | 3,089,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 265,000 | 230,000 | 250,000 | 343,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 265,000 | 230,000 | 250,000 | 343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,824,000 | 7,795,000 | 7,820,000 | 7,916,000 |
| Total capital | 8,380,000 | 8,333,000 | 8,359,000 | 8,454,000 |
| Risk-weighted assets | 43,844,000 | 42,357,000 | 42,432,000 | 42,336,000 |