Financial insights of EMYB

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$3,739K
EPS
$0.5
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Loans, including fees	14,968	14,349*	14,877	14,404
Securities, taxable	2,326	1,969*	2,267	2,248
Securities, non-taxable	298	298*	298	297
Short-term investments, including federal funds sold	912	877*	813	777
Total interest income	18,504	17,492*	18,255	17,726
Deposits	7,037	6,934*	7,370	7,270
Securities sold under agreements to repurchase and federal funds purchased	26	38*	34	37
Short-term borrowings	-	1*	-	-
Total interest expense	7,063	6,972*	7,404	7,307
Net interest income	11,441	10,520*	10,851	10,419
Provision for credit losses	20	336*	27	-178
Net interest income after provision for credit losses	11,421	10,184*	10,824	10,597
Merchant and credit card processing fees	67	68*	67	59
Debit card interchange fees	234	262*	231	243
Other service fees	207	181*	191	170
Bank owned life insurance	208	73*	369	464
Loss on sale of other real estate owned	-	-58*	29	-
Total other non-interest income	716	525*	887	936
Salaries and employee benefits	3,865	3,714*	3,766	3,827
Occupancy and equipment	1,146	1,088*	1,061	1,033
Data processing	960	747*	930	952
Advertising and promotion	253	198*	215	218
Professional fees	288	302*	259	269
Fdic insurance	210	199*	208	196
Loan & real estate	56	59*	74	89
Charitable contributions	243	180*	224	313
Other	538	725*	370	508
Total other non-interest expenses	7,559	7,210*	7,107	7,405
Income before income taxes	4,578	3,498*	4,604	4,128
Income tax expense	839	646*	811	691
Net income	3,739	2,852	3,793	3,437

Basic EPS	0.5	0.375	0.5	0.45
Diluted EPS	0.5	0.375	0.5	0.45
Basic Average Shares	7,535,984	7,609,114	7,645,258	7,644,154
Diluted Average Shares	7,535,984	7,609,114	7,645,258	7,644,154

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$3,739K
EPS
$0.5
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$3,739K
EPS
$0.5
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$3,739KEPS$0.5Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$3,739KEPS$0.5Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$3,739K
EPS
$0.5
Unit: Thousand (K) dollars

Net Income
$3,739K
EPS
$0.5
Unit: Thousand (K) dollars