Call reports 2021
EMBASSY NATIONAL BANK — 2021
What EMBASSY NATIONAL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 114,045,000 | 119,488,000 | 118,078,000 | 117,791,000 |
| Total loans | 80,461,000 | 81,005,000 | 91,614,000 | 85,184,000 |
| Allowance for loan losses | 1,551,000 | 1,551,000 | 1,551,000 | 1,551,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,736,000 | 100,078,000 | 97,054,000 | 97,490,000 |
| Interest-bearing deposits | 77,132,000 | 81,372,000 | 85,228,000 | 89,140,000 |
| Noninterest-bearing deposits | 17,604,000 | 18,706,000 | 11,826,000 | 8,350,000 |
| Equity capital | 18,393,000 | 18,190,000 | 19,335,000 | 19,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,310,000 | 2,515,000 | 3,872,000 | 5,195,000 |
| Interest expense | 176,000 | 336,000 | 486,000 | 626,000 |
| Net interest income | 1,134,000 | 2,179,000 | 3,386,000 | 4,569,000 |
| Noninterest income | 901,000 | 1,923,000 | 4,281,000 | 4,997,000 |
| Noninterest expense | 1,399,000 | 2,882,000 | 4,567,000 | 5,929,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 621,000 | 1,205,000 | 3,085,000 | 3,622,000 |
| Income tax | 155,000 | 301,000 | 771,000 | 862,000 |
| Net income | 466,000 | 904,000 | 2,314,000 | 2,760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,393,000 | 18,190,000 | 19,335,000 | 19,518,000 |
| Total capital | 19,386,000 | 19,179,000 | 20,316,000 | 20,523,000 |
| Risk-weighted assets | 78,908,000 | 78,534,000 | 77,915,000 | 79,877,000 |