Call reports 2014
EMBASSY NATIONAL BANK — 2014
What EMBASSY NATIONAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 61,439,000 | 68,111,000 | 68,764,000 | 74,223,000 |
| Total loans | 43,792,000 | 49,617,000 | 51,428,000 | 53,535,000 |
| Allowance for loan losses | 1,239,000 | 1,242,000 | 1,242,000 | 1,210,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,933,000 | 59,367,000 | 59,917,000 | 65,190,000 |
| Interest-bearing deposits | 42,479,000 | 44,816,000 | 49,705,000 | 50,807,000 |
| Noninterest-bearing deposits | 10,454,000 | 14,551,000 | 10,212,000 | 14,383,000 |
| Equity capital | 8,125,000 | 8,283,000 | 8,462,000 | 8,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 668,000 | 1,392,000 | 2,227,000 | 3,046,000 |
| Interest expense | 75,000 | 150,000 | 236,000 | 326,000 |
| Net interest income | 593,000 | 1,242,000 | 1,991,000 | 2,720,000 |
| Noninterest income | 311,000 | 652,000 | 1,006,000 | 1,485,000 |
| Noninterest expense | 789,000 | 1,621,000 | 2,545,000 | 3,503,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 115,000 | 273,000 | 452,000 | 702,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | 273,000 | 452,000 | 702,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,034,000 | 8,194,000 | 8,375,000 | 8,624,000 |
| Total capital | 8,613,000 | 8,813,000 | 8,996,000 | 9,270,000 |
| Risk-weighted assets | 45,641,000 | 48,905,000 | 49,056,000 | 51,110,000 |
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