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Income Statement
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Balance Sheet
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Income Overview
Net Income
$4,123K
EPS
$0.56
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans, including fees
15,403
14,968
14,349*
14,877
Securities, taxable
2,458
2,326
1,969*
2,267
Securities, non-taxable
298
298
298*
298
Short-term investments, including federal funds sold
1,088
912
877*
813
Total interest income
19,247
18,504
17,492*
18,255
Deposits
7,122
7,037
6,934*
7,370
Securities sold under agreements to repurchase and federal funds purchased
21
26
38*
34
Short-term borrowings
-
-
1*
-
Total interest expense
7,143
7,063
6,972*
7,404
Net interest income
12,104
11,441
10,520*
10,851
Provision (credit) for credit losses
384
20
336*
27
Net interest income after provision (credit) for credit losses
11,720
11,421
10,184*
10,824
Merchant and credit card processing fees
71
67
68*
67
Debit card interchange fees
269
234
262*
231
Other service fees
219
207
181*
191
Bank owned life insurance
496
208
73*
369
Loss on sale of other real estate owned
-
-
-58*
29
Total other non-interest income
1,055
716
525*
887
Salaries and employee benefits
3,827
3,865
3,714*
3,766
Occupancy and equipment
1,119
1,146
1,088*
1,061
Data processing
1,035
960
747*
930
Advertising and promotion
293
253
198*
215
Professional fees
316
288
302*
259
Fdic insurance
212
210
199*
208
Loan & real estate
82
56
59*
74
Charitable contributions
340
243
180*
224
Other
559
538
725*
370
Total other non-interest expenses
7,783
7,559
7,210*
7,107
Income before income taxes
4,992
4,578
3,498*
4,604
Income tax expense
869
839
646*
811
Net income
4,123
3,739
2,852
3,793
Basic EPS
0.56
0.5
0.375
0.5
Diluted EPS
0.56
0.5
0.375
0.5
Basic Average Shares
7,412,390
7,535,984
7,609,114
7,645,258
Diluted Average Shares
7,412,390
7,535,984
7,609,114
7,645,258
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
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Income Statement
Loans, including fees
$15,403K
(6.94%↑ Y/Y)
Securities, taxable
$2,458K
(9.34%↑ Y/Y)
Short-term investments,
including federal funds...
$1,088K
(40.03%↑ Y/Y)
Securities, non-taxable
$298K
(0.34%↑ Y/Y)
Total interest income
$19,247K
(8.58%↑ Y/Y)
Net interest income
$12,104K
(16.17%↑ Y/Y)
Bank owned life
insurance
$496K
(6.90%↑ Y/Y)
Debit card
interchange fees
$269K
(10.70%↑ Y/Y)
Other service fees
$219K
(28.82%↑ Y/Y)
Merchant and credit card
processing fees
$71K
(20.34%↑ Y/Y)
Total interest
expense
$7,143K
(-2.24%↓ Y/Y)
Net interest income
after provision...
$11,720K
(10.60%↑ Y/Y)
Total other
non-interest income
$1,055K
(12.71%↑ Y/Y)
Provision (credit) for
credit losses
$384K
(315.73%↑ Y/Y)
Deposits
$7,122K
(-2.04%↓ Y/Y)
Securities sold under
agreements to repurchase...
$21K
(-43.24%↓ Y/Y)
Income before income
taxes
$4,992K
(20.93%↑ Y/Y)
Total other
non-interest expenses
$7,783K
(5.10%↑ Y/Y)
Net income
$4,123K
(19.96%↑ Y/Y)
Income tax expense
$869K
(25.76%↑ Y/Y)
Salaries and employee
benefits
$3,827K
(0.00%↑ Y/Y)
Occupancy and equipment
$1,119K
(8.33%↑ Y/Y)
Data processing
$1,035K
(8.72%↑ Y/Y)
Other
$559K
(10.04%↑ Y/Y)
Charitable contributions
$340K
(8.63%↑ Y/Y)
Professional fees
$316K
(17.47%↑ Y/Y)
Advertising and promotion
$293K
(34.40%↑ Y/Y)
Fdic insurance
$212K
(8.16%↑ Y/Y)
Loan & real estate
$82K
(-7.87%↓ Y/Y)
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Embassy Bancorp, Inc. (EMYB)
Embassy Bancorp, Inc. (EMYB)