EMYB: the balance sheet

MyFinsight

For the year ending 2025-12-31, EMYB has $1,800,579K in assets. $1,673,004K in debts.

Balance Sheets	2025-12-31
Cash and due from banks	13,459
Interest bearing demand deposits with banks	98,400
Federal funds sold	1,000
Cash and cash equivalents	112,859
Securities available for sale	341,930
Restricted investment in bank stock	1,051
Receivable, gross	1,290,260
Unearned net loan origination costs	980
Allowance for credit losses	12,039
Loans receivable, net of allowance for credit losses of 12,039 in 2025 12,166 in 2024	1,279,201
Premises and equipment, net of accumulated depreciation	2,879
Bank owned life insurance	37,974
Accrued interest receivable	4,276
Other assets	20,409
Total assets	1,800,579

Non-interest bearing	357,220
Interest bearing	1,283,032
Total deposits	1,640,252
Securities sold under agreements to repurchase	9,880
Accrued interest payable	7,198
Other liabilities	15,674
Total liabilities	1,673,004
Common stock, 1 par value authorized 20,000,000 shares 2025 issued 7,822,622 shares outstanding 7,547,344 shares 2024 issued 7,792,654 shares outstanding 7,626,292 shares	7,823
Surplus	29,223
Retained earnings	133,287
Accumulated other comprehensive loss	-38,098
Treasury stock, at cost 275,278 and 166,362 shares at december 31, 2025 and december 31, 2024, respectively	4,660
Total stockholders' equity	127,575
Total liabilities and stockholders' equity	1,800,579

Unit: Thousand (K) dollars (except for numbers of shares and EPS).