Call reports 2022
EMBASSY NATIONAL BANK — 2022
What EMBASSY NATIONAL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 120,405,000 | 132,463,000 | 122,816,000 | 111,370,000 |
| Total loans | 74,965,000 | 77,297,000 | 88,467,000 | 79,616,000 |
| Allowance for loan losses | 1,551,000 | 1,551,000 | 1,551,000 | 1,551,000 |
| Securities available for sale | 3,940,000 | 25,654,000 | 24,866,000 | 19,675,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,866,000 | 112,733,000 | 102,803,000 | 91,527,000 |
| Interest-bearing deposits | 92,167,000 | 102,685,000 | 92,893,000 | 81,733,000 |
| Noninterest-bearing deposits | 8,699,000 | 10,048,000 | 9,910,000 | 9,794,000 |
| Equity capital | 18,826,000 | 18,972,000 | 19,205,000 | 19,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,179,000 | 2,405,000 | 4,071,000 | 5,970,000 |
| Interest expense | 131,000 | 274,000 | 479,000 | 827,000 |
| Net interest income | 1,048,000 | 2,131,000 | 3,592,000 | 5,143,000 |
| Noninterest income | 414,000 | 1,449,000 | 2,200,000 | 2,429,000 |
| Noninterest expense | 1,411,000 | 2,829,000 | 4,199,000 | 5,362,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 51,000 | 751,000 | 1,593,000 | 2,210,000 |
| Income tax | 13,000 | 188,000 | 398,000 | 511,000 |
| Net income | 38,000 | 563,000 | 1,195,000 | 1,699,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,841,000 | 19,103,000 | 19,470,000 | 19,710,000 |
| Total capital | 19,709,000 | 19,995,000 | 20,448,000 | 20,579,000 |
| Risk-weighted assets | 68,721,000 | 70,687,000 | 77,697,000 | 68,846,000 |