Call reports 2023
EMBASSY NATIONAL BANK — 2023
What EMBASSY NATIONAL BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 101,676,000 | 100,741,000 | 122,649,000 | 142,856,000 |
| Total loans | 73,105,000 | 79,329,000 | 93,051,000 | 111,967,000 |
| Allowance for loan losses | 1,551,000 | 1,551,000 | 1,551,000 | 1,437,000 |
| Securities available for sale | 14,732,000 | 9,192,000 | 8,469,000 | 8,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,930,000 | 80,745,000 | 94,815,000 | 119,160,000 |
| Interest-bearing deposits | 71,561,000 | 65,791,000 | 78,977,000 | 98,624,000 |
| Noninterest-bearing deposits | 10,369,000 | 14,954,000 | 15,838,000 | 20,536,000 |
| Equity capital | 19,159,000 | 19,163,000 | 19,339,000 | 19,963,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,948,000 | 4,027,000 | 6,442,000 | 9,163,000 |
| Interest expense | 461,000 | 909,000 | 1,446,000 | 2,201,000 |
| Net interest income | 1,487,000 | 3,118,000 | 4,996,000 | 6,962,000 |
| Noninterest income | 224,000 | 650,000 | 884,000 | 1,110,000 |
| Noninterest expense | 1,353,000 | 3,010,000 | 4,545,000 | 6,034,000 |
| Provision for loan losses | 0 | 0 | 0 | -114,000 |
| Pretax income | 358,000 | 758,000 | 1,335,000 | 2,038,000 |
| Income tax | 89,000 | 189,000 | 334,000 | 467,000 |
| Net income | 269,000 | 569,000 | 1,001,000 | 1,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,274,000 | 19,310,000 | 19,478,000 | 20,048,000 |
| Total capital | 20,095,000 | 20,214,000 | 20,559,000 | 21,325,000 |
| Risk-weighted assets | 64,982,000 | 71,641,000 | 85,980,000 | 101,972,000 |