Call reports 2017
EMBASSY NATIONAL BANK — 2017
What EMBASSY NATIONAL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 114,017,000 | 116,408,000 | 115,773,000 | 114,517,000 |
| Total loans | 74,237,000 | 80,061,000 | 84,312,000 | 78,993,000 |
| Allowance for loan losses | 1,386,000 | 1,387,000 | 1,412,000 | 1,435,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,736,000 | 102,631,000 | 101,240,000 | 99,018,000 |
| Interest-bearing deposits | 74,423,000 | 72,780,000 | 74,593,000 | 68,413,000 |
| Noninterest-bearing deposits | 26,313,000 | 29,851,000 | 26,647,000 | 30,605,000 |
| Equity capital | 11,803,000 | 12,100,000 | 12,833,000 | 14,210,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,729,000 | 4,229,000 | 5,778,000 |
| Interest expense | 157,000 | 325,000 | 505,000 | 686,000 |
| Net interest income | 1,187,000 | 2,404,000 | 3,724,000 | 5,092,000 |
| Noninterest income | 508,000 | 1,077,000 | 2,305,000 | 3,588,000 |
| Noninterest expense | 1,552,000 | 3,041,000 | 4,831,000 | 6,085,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 45,000 |
| Pretax income | 143,000 | 440,000 | 1,173,000 | 2,550,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 143,000 | 440,000 | 1,173,000 | 2,550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,803,000 | 12,100,000 | 12,833,000 | 14,210,000 |
| Total capital | 12,655,000 | 12,955,000 | 13,759,000 | 15,133,000 |
| Risk-weighted assets | 67,592,000 | 67,894,000 | 73,636,000 | 73,332,000 |