Embassy Bancorp, Inc. (EMYB)

Embassy Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	56.18	54.29	48.72	42.21	43.57	41.99
Interest Income on Investments	12.24	10.68	8.44	8.18	3.93	2.34
Total Interest Income	68.42	64.97	57.16	50.39	47.51	44.33
Interest Paid on Deposits	29.22	28.23	17.61	4.06	3.88	6.13
Interest Paid on Borrowings	0.37	0.56	0.5	0.04	0.13	0.29
Total Interest Expense	29.6	28.79	18.12	4.1	4.01	6.41
Net Interest Income	38.82	36.18	39.04	46.28	43.49	37.92
Net Interest Income Growth (YoY)	8.49%	-7.31%	-15.65%	6.41%	14.71%	13.07%
Gain (Loss) on Sale of Investments	-	-	-	-	0.02	0.13
Other Non-Interest Income	3.03	2.86	2.27	1.99	1.95	1.99
Total Non-Interest Income	3.31	3.19	2.63	2.34	2.4	2.45
Non-Interest Income Growth (YoY)	21.22%	21.15%	12.21%	-2.38%	-1.84%	11.49%
Revenues Before Loan Losses	42.14	39.37	41.67	48.63	45.89	40.36
Provision for Loan Losses	-0.21	-0.43	-0.18	0.9	0.92	2.52
Revenue	42.35	39.8	41.85	47.73	44.98	37.84
Revenue Growth (YoY)	8.13%	-4.88%	-12.33%	6.12%	18.86%	7.75%
Salaries and Employee Benefits	14.29	13.73	13.2	12.88	11.72	10.81
Occupancy Expenses	2.41	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	7.55	7.29	7.38	7.29	6.99	6.51
Other Non-Interest Expense	2.21	2.22	2.02	2.21	2.11	1.9
Total Non-Interest Expense	28.22	27.29	26.39	25.74	24.13	22.11
EBT Excluding Unusual Items	14.12	12.51	15.46	21.99	20.85	15.73
Pretax Income	14.12	12.51	15.46	21.99	20.85	15.73
Income Tax Expense	2.39	2.07	2.8	4.29	4.07	2.92
Net Income	11.74	10.44	12.66	17.7	16.79	12.81
Net Income to Common	11.74	10.44	12.66	17.7	16.79	12.81
Net Income Growth	8.17%	-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)	0.31%	0.19%	0.38%	0.22%	0.41%	-0.27%
EPS (Basic)	1.54	1.37	1.67	2.34	2.23	1.71
EPS (Diluted)	1.54	1.37	1.67	2.34	2.22	1.70
EPS Growth	7.83%	-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	16.91%	16.54%	18.11%	19.51%	19.50%	18.57%

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