Embassy Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	58.27	54.29	48.72	42.21	43.57
Interest Income on Investments	13.19	10.68	8.44	8.18	3.93
Total Interest Income	71.46	64.97	57.16	50.39	47.51
Interest Paid on Deposits	28.89	28.23	17.61	4.06	3.88
Interest Paid on Borrowings	0.15	0.56	0.5	0.04	0.13
Total Interest Expense	29.04	28.79	18.12	4.1	4.01
Net Interest Income	42.42	36.18	39.04	46.28	43.49
Net Interest Income Growth (YoY)	17.24%	-7.31%	-15.65%	6.41%	14.71%
Gain (Loss) on Sale of Investments	-	-	-	-	0.02
Other Non-Interest Income	2.97	2.86	2.27	1.99	1.95
Total Non-Interest Income	3.26	3.19	2.63	2.34	2.4
Non-Interest Income Growth (YoY)	2.32%	21.15%	12.21%	-2.38%	-1.84%
Revenues Before Loan Losses	45.68	39.37	41.67	48.63	45.89
Provision for Loan Losses	0.11	-0.43	-0.18	0.9	0.92
Revenue	45.57	39.8	41.85	47.73	44.98
Revenue Growth (YoY)	14.50%	-4.88%	-12.33%	6.12%	18.86%
Salaries and Employee Benefits	14.72	13.73	13.2	12.88	11.72
Occupancy Expenses	2.33	2.34	2.09	1.96	1.88
Federal Deposit Insurance	0.81	0.79	0.76	0.47	0.56
Selling, General & Administrative	7.79	7.29	7.38	7.29	6.99
Other Non-Interest Expense	2.35	2.22	2.02	2.21	2.11
Total Non-Interest Expense	28.98	27.29	26.39	25.74	24.13
EBT Excluding Unusual Items	16.6	12.51	15.46	21.99	20.85
Pretax Income	16.6	12.51	15.46	21.99	20.85
Income Tax Expense	2.9	2.07	2.8	4.29	4.07
Net Income	13.7	10.44	12.66	17.7	16.79
Net Income to Common	13.7	10.44	12.66	17.7	16.79
Net Income Growth	31.20%	-17.51%	-28.51%	5.46%	31.04%
Basic Shares Outstanding	8	8	8	8	8
Diluted Shares Outstanding	8	8	8	8	8
Shares Change (YoY)	0.24%	0.19%	0.38%	0.22%	0.41%
EPS (Basic)	1.79	1.37	1.67	2.34	2.23
EPS (Diluted)	1.79	1.37	1.67	2.34	2.22
EPS Growth	30.66%	-17.73%	-28.83%	5.41%	30.59%
Dividend Per Share	0.480	0.420	0.400	0.350	0.300
Dividend Growth	14.29%	5.00%	14.29%	16.67%	36.36%
Effective Tax Rate	17.47%	16.54%	18.11%	19.51%	19.50%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.