Financial insights of EMYB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans, including fees	58,269
Securities, taxable	8,741
Securities, non-taxable	1,190
Short-term investments, including federal funds sold	3,262
Total interest income	71,462
Deposits	28,892
Securities sold under agreements to repurchase and federal funds purchased	144
Short-term borrowings	2
Total interest expense	29,038
Net interest income	42,424
Provision (credit) for credit losses	109
Net interest income after provision (credit) for credit losses	42,315
Merchant and credit card processing fees	257
Debit card interchange fees	929
Other service fees	722
Bank owned life insurance	1,322
Gain on sale of other real estate owned	29
Total other non-interest income	3,259
Salaries and employee benefits	15,103
Occupancy and equipment	4,229
Data processing	3,570
Advertising and promotion	847
Professional fees	1,094
Fdic insurance	805
Loan & real estate	303
Charitable contributions	985
Other	2,042
Total other non-interest expenses	28,978
Income before income taxes	16,596
Income tax expense	2,899
Net income	13,697

Basic EPS	1.79
Diluted EPS	1.79
Basic Average Shares	7,632,842
Diluted Average Shares	7,632,842