Call reports 2019
EMBASSY NATIONAL BANK — 2019
What EMBASSY NATIONAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 112,900,000 | 108,285,000 | 104,336,000 | 109,617,000 |
| Total loans | 72,828,000 | 75,375,000 | 81,457,000 | 79,467,000 |
| Allowance for loan losses | 1,466,000 | 1,466,000 | 1,466,000 | 1,466,000 |
| Securities available for sale | 3,990,000 | 4,000,000 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,759,000 | 88,709,000 | 84,165,000 | 88,865,000 |
| Interest-bearing deposits | 61,685,000 | 65,893,000 | 68,864,000 | 74,919,000 |
| Noninterest-bearing deposits | 32,074,000 | 22,816,000 | 15,301,000 | 13,946,000 |
| Equity capital | 17,760,000 | 18,123,000 | 18,630,000 | 19,390,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,728,000 | 3,436,000 | 5,162,000 | 6,781,000 |
| Interest expense | 337,000 | 673,000 | 1,039,000 | 1,410,000 |
| Net interest income | 1,391,000 | 2,763,000 | 4,123,000 | 5,371,000 |
| Noninterest income | 478,000 | 1,158,000 | 1,724,000 | 2,680,000 |
| Noninterest expense | 1,287,000 | 2,602,000 | 3,848,000 | 5,095,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 582,000 | 1,319,000 | 1,999,000 | 2,956,000 |
| Income tax | -161,000 | 43,000 | 213,000 | 410,000 |
| Net income | 743,000 | 1,276,000 | 1,786,000 | 2,546,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,762,000 | 18,120,000 | 18,630,000 | 19,390,000 |
| Total capital | 18,844,000 | 19,119,000 | 19,658,000 | 20,463,000 |
| Risk-weighted assets | 86,144,000 | 79,488,000 | 81,776,000 | 85,470,000 |