Financial insights of EBMT

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Noninterest income revenue-Deposit Account	1,655
Noninterest income revenue-Bank Servicing	10,545
Noninterest income revenue-Debit Card	2,620
Appreciation in cash surrender value of life insurance	1,511
Net loss on sale of available-for-sale securities	0
Other noninterest income	2,341
Total noninterest income	18,672
Interest income from loans owned for directors, executive officers and their related parties	97,598
Securities available-for-sale	9,466
Fhlb and frb dividends	922
Other interest income	425
Total interest and dividend income	108,411
Deposits	27,776
Fhlb advances and other borrowings	4,964
Other long-term debt	2,774
Total interest expense	35,514
Net interest income	72,897
Provision for credit losses	1,181
Net interest income after provision for credit losses	71,716
Salaries and employee benefits	42,389
Occupancy and equipment expense	9,311
Data processing	4,976
Software subscriptions	2,733
Advertising	1,288
Amortization	1,194
Loan costs	1,400
Federal deposit insurance corporation ('fdic') insurance premiums	-956
Professional and examination fees	1,699
Other noninterest expense	5,549
Total noninterest expense	71,495
Income before provision for income taxes	18,893
Income tax expense (benefit)	4,058
Net income	14,835

Basic EPS	1.9
Diluted EPS	1.9
Basic Average Shares	7,801,902
Diluted Average Shares	7,823,909