Call reports 2015
EMBASSY NATIONAL BANK — 2015
What EMBASSY NATIONAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 76,494,000 | 77,049,000 | 82,127,000 | 91,253,000 |
| Total loans | 55,704,000 | 59,855,000 | 62,915,000 | 61,313,000 |
| Allowance for loan losses | 1,235,000 | 1,275,000 | 1,331,000 | 1,332,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,947,000 | 66,850,000 | 69,949,000 | 79,137,000 |
| Interest-bearing deposits | 48,062,000 | 50,499,000 | 56,725,000 | 58,322,000 |
| Noninterest-bearing deposits | 18,885,000 | 16,351,000 | 13,224,000 | 20,815,000 |
| Equity capital | 8,788,000 | 9,035,000 | 9,327,000 | 9,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 870,000 | 1,861,000 | 2,873,000 | 3,896,000 |
| Interest expense | 85,000 | 175,000 | 280,000 | 398,000 |
| Net interest income | 785,000 | 1,686,000 | 2,593,000 | 3,498,000 |
| Noninterest income | 272,000 | 720,000 | 1,206,000 | 1,798,000 |
| Noninterest expense | 981,000 | 1,940,000 | 2,986,000 | 4,113,000 |
| Provision for loan losses | 0 | 40,000 | 95,000 | 95,000 |
| Pretax income | 76,000 | 426,000 | 718,000 | 1,088,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 76,000 | 426,000 | 718,000 | 1,088,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,788,000 | 9,035,000 | 9,327,000 | 9,697,000 |
| Total capital | 9,414,000 | 9,733,000 | 10,048,000 | 10,418,000 |
| Risk-weighted assets | 49,456,000 | 55,227,000 | 56,984,000 | 57,002,000 |