Embassy Bank for the Lehigh Valley in Bethlehem, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

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

  • 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)

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
  • 67Total employees (full-time equivalent)
  • $576,068Total assets
  • $53,933Cash and due from depository institutions
  • $41,303Interest-bearing balances
  • $92,110Securities
  • $491Federal funds sold & reverse repurchase agreements
  • $419,126Net loans & leases
  • $4,215Loan loss allowance
  • $0Trading account assets
  • $2,053Bank premises and fixed assets
  • $3,388Other real estate owned
  • $0Goodwill and other intangibles
  • $576,068Life insurance assets
  • $4,967All other assets
  • $527,032Total liabilities and capital
  • $482,483Total liabilities
  • $443,389Total deposits
  • $482,483Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 33953.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,886Trading liabilities
  • $0Other borrowed funds
  • $2,710Subordinated debt
  • $49,036All other liabilities
  • $49,036Total equity capital
  • $49,036Total bank equity capital
  • $0Perpetual preferred stock
  • $6,891Common stock
  • $28,460Surplus
  • $13,685Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,134Income earned, not collected on loans
  • $0Earning assets
  • $1,568Long-term assets (5+ years)
  • $553,030Average Assets, year-to-date
  • $263,384Average Assets, quarterly
  • $534,380Volatile liabilities
  • $556,743Insider loans
  • $367,650FHLB advances
  • $564,465Loans and leases held for sale
  • $225Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $46,648Tier 2 risk-based capital
  • $225Total risk weighted assets
  • $0Total unused commitments
  • $73,928Restructured Loans and leases
  • $2,951Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $23,716Total interest income
  • $4,568Total interest expense
  • $19,148Net interest income
  • $734Provision for loan and lease losses
  • $1,404Total noninterest income
  • $0Fiduciary activities
  • $198Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,206Additional noninterest income
  • $12,410Total noninterest expense
  • $5,396Salaries and employee benefits
  • $2,163Premises and equipment expense
  • $4,851Additional noninterest expense
  • $7,408Pre-tax net operating income
  • $487Securities gains (losses)
  • $2,303Applicable income taxes
  • $5,592Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,592Net income attributable to bank
  • $0Net charge-offs
  • $5,592Cash dividends
  • $228Sale, conversion, retirement of capital stock, net
  • $1,258Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.64%Yield on earning assets
  • 0.89%Cost of funding earning assets
  • 3.75%Net interest margin
  • 0.27%Noninterest income to earning assets
  • 2.43%Noninterest expense to earning assets
  • 0.98%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.48%Pretax return on assets
  • 12.33%Return on equity (ROE)
  • 9.56%Retained earnings to average equity (YTD only)
  • 0.06%Net charge-offs to loans
  • 321.93%Credit loss provision to net charge-offs
  • 35.71%Efficiency ratio
  • 60,383Assets per employee
  • 8.60%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 22.50%Loss allowance to loans
  • 1.00%Loss allowance to noncurrent loans
  • 197.52%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 0.50%Net loans and leases to deposits
  • 86.87%Net loans and leases to core deposits
  • 89.58%Equity capital to assets
  • 8.51%Core capital (leverage) ratio
  • 8.26%Tier 1 risk-based capital ratio
  • 12.69%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $534,380Average earning assets
  • $45,336Average equity
  • $510,753Average loans

List of branches

  • 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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