Embassy Bank for the Lehigh Valley in Bethlehem, Pennsylvania (PA)
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| Embassy Bank for the Lehigh Valley | |
|---|---|
| General | FDIC Certificate #: 57228 Status: Active Federal Reserve ID: 3068579 Bank Holding Company (Regulatory Top Holder): Embassy Bancorp, Inc (RSSDID: 3806511, Location: Bethlehem, PA) Date Established: November 06, 2001 WWW: http://www.embassybank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 7 (Domestic: 7, Interstate: No) FDIC's unique #: 359764 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: November 06, 2001 Last Structure Change Effective Date: November 11, 2008 Last Structure Change Process Date: December 04, 2008 Last Data Update: December 04, 2008 Data Source Date: April 05, 2012 |
| Location | Address: 100 Gateway Drive, Bethlehem, PA 18017 County: Northampton Quarterly Banking Profile Region: New York FDIC Geographic Region: New York FDIC Supervisory Region: New York FDIC Field Office: Philadelphia Office of the Comptroller the Currency (OCC) District: Northeast Office of Thrift Supervision Region: Northeast Metropolitan Statistical Area (MSA): Allentown-Bethlehem-Easton, PA (#240) Core Based Statistical Area (CBSA): Allentown-Bethlehem-Easton, PA-NJ (#10900) CBSA Metro Statistical Area: Allentown-Bethlehem-Easton, PA-NJ (#10900) |
| History of Changes | Participated in Reorganization |
| Financial Summary | Total assets: $576.1 mil Equity capital: $49.0 mil Deposits held in domestic offices: $482.5 mil Return on assets (ROA): 1.05% ($6.0 mil) Quarterly return on assets: 1.10% ($6.3 mil) Return on Equity (ROE): 12.33% ($6.0 mil) Quarterly return on equity: 12.76% ($6.3 mil) Net income: $5.6 mil Quarterly Net income: $1.5 mil Pretax return on assets: 1.48% ($8,525.8 mil) Quarterly Pretax return on assets: 1.54% ($8,871.4 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 67 |
| Total assets | $576,068 |
| Cash and due from depository institutions | $53,933 |
| Interest-bearing balances | $41,303 |
| Securities | $92,110 |
| Federal funds sold & reverse repurchase agreements | $491 |
| Net loans & leases | $419,126 |
| Loan loss allowance | $4,215 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $2,053 |
| Other real estate owned | $3,388 |
| Goodwill and other intangibles | $0 |
| All other assets | $4,967 |
| Life insurance assets | $576,068 |
| Total liabilities and capital | $527,032 |
| Total liabilities | $482,483 |
| Total deposits | $443,389 |
| Interest-bearing deposits | $482,483 |
| Deposits held in domestic offices | $87 |
| % insured (estimated) | 33953.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $7,886 |
| Other borrowed funds | $0 |
| Subordinated debt | $2,710 |
| All other liabilities | $49,036 |
| Total equity capital | $49,036 |
| Total bank equity capital | $49,036 |
| Perpetual preferred stock | $0 |
| Common stock | $6,891 |
| Surplus | $28,460 |
| Undivided profits | $13,685 |
| Memoranda | |
| Noncurrent loans and leases | $0 |
| Noncurrent loans that are wholly or partially guaranteed by the U.S. government | $0 |
| Income earned, not collected on loans | $2,134 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $1,568 |
| Average Assets, year-to-date | $553,030 |
| Average Assets, quarterly | $263,384 |
| Volatile liabilities | $534,380 |
| Insider loans | $556,743 |
| FHLB advances | $367,650 |
| Loans and leases held for sale | $564,465 |
| Unused loan commitments | $225 |
| Tier 1 (core) risk-based capital | $0 |
| Tier 2 risk-based capital | $46,648 |
| Total risk weighted assets | $225 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $73,928 |
| Derivatives | $2,951 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $23,716 |
| Total interest expense | $4,568 |
| Net interest income | $19,148 |
| Provision for loan and lease losses | $734 |
| Total noninterest income | $1,404 |
| Fiduciary activities | $0 |
| Service charges on deposit accounts | $198 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $1,206 |
| Total noninterest expense | $12,410 |
| Salaries and employee benefits | $5,396 |
| Premises and equipment expense | $2,163 |
| Additional noninterest expense | $4,851 |
| Pre-tax net operating income | $7,408 |
| Securities gains (losses) | $487 |
| Applicable income taxes | $2,303 |
| Income before extraordinary items | $5,592 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $5,592 |
| Net charge-offs | $0 |
| Cash dividends | $5,592 |
| Sale, conversion, retirement of capital stock, net | $228 |
| Net operating income | $1,258 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.64% |
| Cost of funding earning assets | 0.89% |
| Net interest margin | 3.75% |
| Noninterest income to earning assets | 0.27% |
| Noninterest expense to earning assets | 2.43% |
| Net operating income to assets | 0.98% |
| Return on assets (ROA) | 1.05% |
| Pretax return on assets | 1.48% |
| Return on equity (ROE) | 12.33% |
| Retained earnings to average equity (YTD only) | 9.56% |
| Net charge-offs to loans | 0.06% |
| Credit loss provision to net charge-offs | 321.93% |
| Efficiency ratio | 35.71% |
| Assets per employee | $60,383 |
| Cash dividends to net income (YTD only) | 8.60% |
| Condition Ratios (%) | |
| Loss allowance to loans | 22.50% |
| Loss allowance to noncurrent loans | 1.00% |
| Noncurrent assets plus other real estate owned to assets | 197.52% |
| Noncurrent loans to loans | 0.96% |
| Net loans and leases to deposits | 0.50% |
| Net loans and leases to core deposits | 86.87% |
| Equity capital to assets | 89.58% |
| Core capital (leverage) ratio | 8.51% |
| Tier 1 risk-based capital ratio | 8.26% |
| Total risk-based capital ratio | 12.69% |
| Memoranda | |
| Average assets | $14 |
| Average earning assets | $534,380 |
| Average equity | $45,336 |
| Average loans | $510,753 |
| 7 Pennsylvania Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 359764 | Embassy Bank For The Lehigh Valley | 100 Gateway Drive, Bethlehem, PA 18017 | November 06, 2001 | Full Service Brick and Mortar |  |
| 1 | 428174 | Tilghman Branch | 4148 W Tilghman Street, Allentown, PA 18104 | May 03, 2004 | Full Service Brick and Mortar |  |
| 2 | 455076 | West Broad Street Branch | 925 W. Broad Street, Bethlehem, PA 18018 | September 07, 2006 | Full Service Brick and Mortar | |
| 3 | 462257 | Trexlertown Marketplace Branch | 6379 Hamilton Boulevard, Allentown, PA 18106 | Febuary 22, 2006 | Full Service Brick and Mortar | |
| 4 | 492771 | Cedar Crest Blvd. Branch | 1142 S. Cedar Crest Blvd., Allentown, PA 18103 | July 20, 2009 | Full Service Brick and Mortar | |
| 5 | 495172 | Saucon Valley | 3495 Route 378, Bethlehem, PA 18015 | September 21, 2009 | Full Service Brick and Mortar | |
| 6 | 508193 | Lower Nazareth Township | 3751 Easton-Nazareth Highway, Easton, PA 18045 | April 19, 2010 | Full Service Brick and Mortar | |
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