For the quarter ending 2025-09-30, EMYB had $16,180K increase in cash & cash equivalents over the period. $3,869K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 3,793 | 6,324 |
| Credit for credit losses | 27 | -131 |
| Amortization of deferred loan costs | -107 | -176 |
| Depreciation | 275 | 528 |
| Net accretion of investment security premiums and discounts | 235 | 599 |
| Stock compensation expense | 28 | 326 |
| Net realized gain on sale of other real estate owned | 29 | - |
| Income on bank owned life insurance | 369 | 635 |
| Increase in accrued interest receivable | -54 | 504 |
| Decrease in other assets | -815 | -735 |
| (decrease) increase in accrued interest payable | -361 | -383 |
| Decrease in other liabilities | -115 | -878 |
| Net cash provided by operating activities | 3,990 | 4,959 |
| Purchases of securities available for sale | 14,978 | 81,519 |
| Maturities, calls and principal repayments of securities available for sale | 14,614 | 40,754 |
| Net increase in loans | -1,784 | 13,817 |
| Net redemption of restricted investment in bank stock | 0 | -612 |
| Purchases of premises and equipment | 121 | 383 |
| Net cash used in investing activities | 1,299 | -54,353 |
| Net increase in deposits | 10,356 | 57,248 |
| Net increase in securities sold under agreements to repurchase | 4,189 | 3,032 |
| Decrease in short-term borrowings | 0 | -15,625 |
| Proceeds from employee stock purchase plan | 15 | 34 |
| Dividends paid | 3,669 | - |
| Net cash provided by financing activities | 10,891 | 44,689 |
| Net increase in cash and cash equivalents | 16,180 | -4,705 |
| Cash and cash equivalents at beginning of period | 96,522 | - |
| Cash and cash equivalents at end of period | 107,997 | - |
Embassy Bancorp, Inc. (EMYB)
Embassy Bancorp, Inc. (EMYB)