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Income Statement
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Cash Flow
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Balance Sheet
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Cash Flow Overview
Change in Cash
-$8,892K
Free Cash flow
$2,938K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase in deposits
Maturities, calls and principal ...
Net income
Others
Negative Cash Flow Breakdown
Net increase in loans
Purchases of securities availabl...
Net (decrease) increase in secur...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
4,123
3,739
3,580
3,793
Provision (credit) for credit losses
384
20
213
27
Amortization of deferred loan costs
-113
-106
-122
-107
Depreciation
285
269
262
275
Net accretion of investment security premiums and discounts
146
190
220
235
Stock compensation expense
28
338
28
28
Net realized gain on sale of other real estate owned
-
-
0
29
Income on bank owned life insurance
496
208
318
369
Deferred income taxes
-
-
-76
-
Increase in accrued interest receivable
171
6
222
-54
(increase) decrease in other assets
1,261
-1,006
-589
-815
Increase (decrease) in accrued interest payable
-246
437
130
-361
Decrease in other liabilities
568
-680
-204
-115
Net cash provided by operating activities
3,181
4,831
3,884
3,990
Purchases of securities available for sale
4,986
34,309
12,404
14,978
Maturities, calls and principal repayments of securities available for sale
11,101
21,877
9,355
14,614
Net increase in loans
24,582
4,716
11,397
-1,784
Net (purchase) redemption of restricted investment in bank stock
75
-
0
0
Purchases of premises and equipment
243
175
128
121
Net cash used in investing activities
-18,785
-17,323
-14,574
1,299
Net increase in deposits
11,863
41,576
19,689
10,356
Net (decrease) increase in securities sold under agreements to repurchase
-4,961
2,828
-2,236
4,189
Decrease in short-term borrowings
-
-
0
0
Purchase of treasury stock
-
-
11
-
Proceeds from employee stock purchase plan
25
21
20
15
Purchase of treasury stock under stock repurchase plan
215
2,959
1,910
-
Dividends paid
-
-
0
3,669
Net cash provided by financing activities
6,712
41,466
15,552
10,891
Net increase (decrease) in cash and cash equivalents
-8,892
28,974
4,862
16,180
Cash and cash equivalents - beginning
141,833
112,859
107,997
96,522
Cash and cash equivalents - ending
132,941
141,833
112,859
107,997
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Net increase in
deposits
$11,863K
(-79.28%↓ Y/Y)
Net income
$4,123K
(-34.80%↓ Y/Y)
Proceeds from employee
stock purchase plan
$25K
(-26.47%↓ Y/Y)
Decrease in other
liabilities
$568K
(164.69%↑ Y/Y)
Provision (credit) for
credit losses
$384K
(393.13%↑ Y/Y)
Depreciation
$285K
(-46.02%↓ Y/Y)
Amortization of deferred loan
costs
-$113K
(35.80%↑ Y/Y)
Stock compensation
expense
$28K
(-91.41%↓ Y/Y)
Net cash provided by
financing activities
$6,712K
(-84.98%↓ Y/Y)
Net cash provided by
operating activities
$3,181K
(-35.85%↓ Y/Y)
Canceled cashflow
$5,176K
Canceled cashflow
$2,320K
Net increase
(decrease) in cash and cash...
-$8,892K
(-88.99%↓ Y/Y)
Canceled cashflow
$9,893K
Maturities, calls and
principal repayments of...
$11,101K
(-72.76%↓ Y/Y)
Net (decrease)
increase in securities...
-$4,961K
(-263.62%↓ Y/Y)
Purchase of treasury
stock under stock...
$215K
(increase) decrease in
other assets
$1,261K
(271.56%↑ Y/Y)
Income on bank owned
life insurance
$496K
(-21.89%↓ Y/Y)
Increase (decrease) in
accrued interest...
-$246K
(35.77%↑ Y/Y)
Increase in accrued
interest receivable
$171K
(-66.07%↓ Y/Y)
Net accretion of
investment security...
$146K
(-75.63%↓ Y/Y)
Net cash used in
investing activities
-$18,785K
(65.44%↑ Y/Y)
Canceled cashflow
$11,101K
Net increase in
loans
$24,582K
(77.91%↑ Y/Y)
Purchases of securities
available for sale
$4,986K
(-93.88%↓ Y/Y)
Purchases of premises and
equipment
$243K
(-36.55%↓ Y/Y)
Net (purchase)
redemption of restricted...
$75K
(112.25%↑ Y/Y)
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Embassy Bancorp, Inc. (EMYB)
Embassy Bancorp, Inc. (EMYB)