Embassy Bank for the Lehigh Valley in Bethlehem, Pennsylvania (PA)



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Embassy Bank for the Lehigh Valley routing number info

Table of contents:
Embassy Bank for the Lehigh Valley
GeneralFDIC 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
LocationAddress: 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 ChangesParticipated in Reorganization
Financial SummaryTotal 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)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

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
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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
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.64%
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 ratio35.71%
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 deposits0.50%
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
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7 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0359764Embassy Bank For The Lehigh Valley100 Gateway Drive, Bethlehem, PA 18017November 06, 2001Full Service Brick and Mortar
1428174Tilghman Branch4148 W Tilghman Street, Allentown, PA 18104May 03, 2004Full Service Brick and Mortar
2455076West Broad Street Branch925 W. Broad Street, Bethlehem, PA 18018September 07, 2006Full Service Brick and Mortar
3462257Trexlertown Marketplace Branch6379 Hamilton Boulevard, Allentown, PA 18106Febuary 22, 2006Full Service Brick and Mortar
4492771Cedar Crest Blvd. Branch1142 S. Cedar Crest Blvd., Allentown, PA 18103July 20, 2009Full Service Brick and Mortar
5495172Saucon Valley3495 Route 378, Bethlehem, PA 18015September 21, 2009Full Service Brick and Mortar
6508193Lower Nazareth Township3751 Easton-Nazareth Highway, Easton, PA 18045April 19, 2010Full Service Brick and Mortar
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