Financial insights of EMYB

MyFinsight

For the quarter ending 2025-09-30, EMYB made $33,653K in revenue. $3,793K in net income. Net profit margin of 11.27%.

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

Income Statement	2025-09-30	2025-06-30
Loans, including fees	14,877	14,404
Securities, taxable	2,267	2,248
Securities, non-taxable	298	297
Short-term investments, including federal funds sold	813	777
Total interest income	18,255	17,726
Deposits	7,370	7,270
Securities sold under agreements to repurchase and federal funds purchased	34	37
Total interest expense	7,404	7,307
Net interest income	10,851	10,419
Provision (credit) for credit losses	27	-178
Net interest income after provision (credit) for credit losses	10,824	10,597
Merchant and credit card processing fees	67	59
Debit card interchange fees	231	243
Other service fees	191	170
Bank owned life insurance	369	464
Gain on sale of other real estate owned	29	-
Total other non-interest income	887	936
Salaries and employee benefits	3,766	3,827
Occupancy and equipment	1,061	1,033
Data processing	930	952
Advertising and promotion	215	218
Professional fees	259	269
Fdic insurance	208	196
Loan & real estate	74	89
Charitable contributions	224	313
Other	370	508
Total other non-interest expenses	7,107	7,405
Income before income taxes	4,604	4,128
Income tax expense	811	691
Net income	3,793	3,437

Earnings per share, basic	0.5	0.45
Earnings per share, diluted	0.5	0.45
Weighted average number of shares outstanding, basic	7,645,258	7,644,154
Weighted average number of shares outstanding, diluted	7,645,258	7,644,154