Call reports 2024
EMBASSY NATIONAL BANK — 2024
What EMBASSY NATIONAL BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 156,759,000 | 158,601,000 | 168,252,000 | 181,254,000 |
| Total loans | 122,510,000 | 126,158,000 | 134,549,000 | 142,841,000 |
| Allowance for loan losses | 1,447,000 | 1,447,000 | 1,507,000 | 1,649,000 |
| Securities available for sale | 9,498,000 | 11,428,000 | 11,481,000 | 19,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,124,000 | 132,834,000 | 143,409,000 | 151,948,000 |
| Interest-bearing deposits | 110,788,000 | 106,812,000 | 110,545,000 | 108,352,000 |
| Noninterest-bearing deposits | 22,336,000 | 26,022,000 | 32,864,000 | 43,596,000 |
| Equity capital | 19,788,000 | 20,492,000 | 21,029,000 | 21,426,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 3,132,000 | 6,288,000 | 9,561,000 | 12,937,000 |
| Interest expense | 1,044,000 | 2,116,000 | 3,256,000 | 4,365,000 |
| Net interest income | 2,088,000 | 4,172,000 | 6,305,000 | 8,572,000 |
| Noninterest income | 228,000 | 728,000 | 938,000 | 1,196,000 |
| Noninterest expense | 1,635,000 | 3,286,000 | 4,912,000 | 6,527,000 |
| Provision for loan losses | 10,000 | 10,000 | 70,000 | 212,000 |
| Pretax income | 675,000 | 1,608,000 | 2,265,000 | 3,039,000 |
| Income tax | 169,000 | 406,000 | 566,000 | 715,000 |
| Net income | 506,000 | 1,202,000 | 1,699,000 | 2,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,866,000 | 20,563,000 | 21,059,000 | 21,465,000 |
| Total capital | 21,303,000 | 22,082,000 | 22,704,000 | 23,218,000 |
| Risk-weighted assets | 114,988,000 | 121,464,000 | 131,496,000 | 142,767,000 |