Embassy Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	57.26	54.29	48.72	42.21	43.57	41.99
Interest Income on Investments	12.5	10.68	8.44	8.18	3.93	2.34
Total Interest Income	69.75	64.97	57.16	50.39	47.51	44.33
Interest Paid on Deposits	29.01	28.23	17.61	4.06	3.88	6.13
Interest Paid on Borrowings	0.24	0.56	0.5	0.04	0.13	0.29
Total Interest Expense	29.25	28.79	18.12	4.1	4.01	6.41
Net Interest Income	40.51	36.18	39.04	46.28	43.49	37.92
Net Interest Income Growth (YoY)	13.92%	-7.31%	-15.65%	6.41%	14.71%	13.07%
Gain (Loss) on Sale of Investments	-	-	-	-	0.02	0.13
Other Non-Interest Income	3.05	2.86	2.27	1.99	1.95	1.99
Total Non-Interest Income	3.35	3.19	2.63	2.34	2.4	2.45
Non-Interest Income Growth (YoY)	10.97%	21.15%	12.21%	-2.38%	-1.84%	11.49%
Revenues Before Loan Losses	43.85	39.37	41.67	48.63	45.89	40.36
Provision for Loan Losses	-0.15	-0.43	-0.18	0.9	0.92	2.52
Revenue	44	39.8	41.85	47.73	44.98	37.84
Revenue Growth (YoY)	12.99%	-4.88%	-12.33%	6.12%	18.86%	7.75%
Salaries and Employee Benefits	14.42	13.73	13.2	12.88	11.72	10.81
Occupancy Expenses	2.47	2.34	2.09	1.96	1.88	1.62
Federal Deposit Insurance	0.81	0.79	0.76	0.47	0.56	0.39
Selling, General & Administrative	7.72	7.29	7.38	7.29	6.99	6.51
Other Non-Interest Expense	2.13	2.22	2.02	2.21	2.11	1.9
Total Non-Interest Expense	28.52	27.29	26.39	25.74	24.13	22.11
EBT Excluding Unusual Items	15.48	12.51	15.46	21.99	20.85	15.73
Pretax Income	15.48	12.51	15.46	21.99	20.85	15.73
Income Tax Expense	2.67	2.07	2.8	4.29	4.07	2.92
Net Income	12.82	10.44	12.66	17.7	16.79	12.81
Net Income to Common	12.82	10.44	12.66	17.7	16.79	12.81
Net Income Growth	21.33%	-17.51%	-28.51%	5.46%	31.04%	17.75%
Basic Shares Outstanding	8	8	8	8	8	7
Diluted Shares Outstanding	8	8	8	8	8	8
Shares Change (YoY)	0.35%	0.19%	0.38%	0.22%	0.41%	-0.27%
EPS (Basic)	1.68	1.37	1.67	2.34	2.23	1.71
EPS (Diluted)	1.67	1.37	1.67	2.34	2.22	1.70
EPS Growth	20.33%	-17.73%	-28.83%	5.41%	30.59%	18.06%
Dividend Per Share	0.480	0.420	0.400	0.350	0.300	0.220
Dividend Growth	14.29%	5.00%	14.29%	16.67%	36.36%	10.00%
Effective Tax Rate	17.23%	16.54%	18.11%	19.51%	19.50%	18.57%

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