Call reports 2020
EMBASSY NATIONAL BANK — 2020
What EMBASSY NATIONAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 120,821,000 | 109,861,000 | 109,304,000 | 113,523,000 |
| Total loans | 79,052,000 | 86,257,000 | 82,437,000 | 73,879,000 |
| Allowance for loan losses | 1,516,000 | 1,516,000 | 1,536,000 | 1,536,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,316,000 | 89,699,000 | 88,753,000 | 94,550,000 |
| Interest-bearing deposits | 75,463,000 | 67,310,000 | 70,325,000 | 76,040,000 |
| Noninterest-bearing deposits | 24,853,000 | 22,389,000 | 18,428,000 | 18,510,000 |
| Equity capital | 19,460,000 | 19,177,000 | 19,371,000 | 18,146,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,542,000 | 2,809,000 | 4,114,000 | 5,341,000 |
| Interest expense | 362,000 | 604,000 | 836,000 | 1,042,000 |
| Net interest income | 1,180,000 | 2,205,000 | 3,278,000 | 4,299,000 |
| Noninterest income | 358,000 | 790,000 | 1,598,000 | 1,960,000 |
| Noninterest expense | 1,395,000 | 2,645,000 | 3,956,000 | 5,016,000 |
| Provision for loan losses | 50,000 | 50,000 | 70,000 | 70,000 |
| Pretax income | 93,000 | 300,000 | 850,000 | 1,173,000 |
| Income tax | 23,000 | 75,000 | 212,000 | 299,000 |
| Net income | 70,000 | 225,000 | 638,000 | 874,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,460,000 | 19,177,000 | 19,371,000 | 18,146,000 |
| Total capital | 20,518,000 | 20,176,000 | 20,342,000 | 19,109,000 |
| Risk-weighted assets | 84,207,000 | 79,435,000 | 77,190,000 | 76,492,000 |