Call reports 2025
EMBASSY NATIONAL BANK — 2025
What EMBASSY NATIONAL BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 185,601,000 | 190,322,000 | 203,971,000 | 218,199,000 |
| Total loans | 145,129,000 | 144,708,000 | 166,311,000 | 170,300,000 |
| Allowance for loan losses | 1,679,000 | 1,729,000 | 1,909,000 | 1,957,000 |
| Securities available for sale | 13,392,000 | 7,935,000 | 7,387,000 | 23,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,617,000 | 164,001,000 | 177,037,000 | 184,219,000 |
| Interest-bearing deposits | 127,664,000 | 133,953,000 | 139,027,000 | 154,041,000 |
| Noninterest-bearing deposits | 31,953,000 | 30,048,000 | 38,010,000 | 30,178,000 |
| Equity capital | 22,011,000 | 22,397,000 | 22,915,000 | 23,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,390,000 | 6,772,000 | 10,516,000 | 14,253,000 |
| Interest expense | 1,146,000 | 2,320,000 | 3,536,000 | 4,803,000 |
| Net interest income | 2,244,000 | 4,452,000 | 6,980,000 | 9,450,000 |
| Noninterest income | 510,000 | 1,086,000 | 1,604,000 | 2,101,000 |
| Noninterest expense | 1,674,000 | 3,500,000 | 5,289,000 | 7,034,000 |
| Provision for loan losses | 30,000 | 80,000 | 260,000 | 308,000 |
| Pretax income | 1,050,000 | 1,958,000 | 3,035,000 | 4,167,000 |
| Income tax | 260,000 | 487,000 | 756,000 | 956,000 |
| Net income | 790,000 | 1,471,000 | 2,279,000 | 3,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,037,000 | 22,418,000 | 22,926,000 | 23,558,000 |
| Total capital | 23,820,000 | 24,251,000 | 24,939,000 | 25,661,000 |
| Risk-weighted assets | 149,460,000 | 152,451,000 | 166,967,000 | 174,469,000 |