Call reports 2016
EMBASSY NATIONAL BANK — 2016
What EMBASSY NATIONAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 94,433,000 | 93,738,000 | 110,757,000 | 107,744,000 |
| Total loans | 66,045,000 | 68,194,000 | 77,200,000 | 73,559,000 |
| Allowance for loan losses | 1,332,000 | 1,350,000 | 1,386,000 | 1,386,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,857,000 | 81,603,000 | 97,917,000 | 94,640,000 |
| Interest-bearing deposits | 57,580,000 | 58,484,000 | 69,452,000 | 72,882,000 |
| Noninterest-bearing deposits | 25,277,000 | 23,119,000 | 28,465,000 | 21,758,000 |
| Equity capital | 9,973,000 | 10,473,000 | 11,170,000 | 11,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,127,000 | 2,384,000 | 3,696,000 | 4,976,000 |
| Interest expense | 117,000 | 226,000 | 355,000 | 504,000 |
| Net interest income | 1,010,000 | 2,158,000 | 3,341,000 | 4,472,000 |
| Noninterest income | 433,000 | 920,000 | 1,712,000 | 2,382,000 |
| Noninterest expense | 1,167,000 | 2,302,000 | 3,545,000 | 4,856,000 |
| Provision for loan losses | 0 | 0 | 35,000 | 35,000 |
| Pretax income | 276,000 | 776,000 | 1,473,000 | 1,963,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 276,000 | 776,000 | 1,473,000 | 1,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,973,000 | 10,473,000 | 11,170,000 | 11,661,000 |
| Total capital | 10,724,000 | 11,269,000 | 12,052,000 | 12,532,000 |
| Risk-weighted assets | 59,465,000 | 63,125,000 | 70,093,000 | 69,192,000 |