Company: EMYB
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001449794-25-000009
Chunk: 20

Company: Embassy Bancorp, Inc.
Filing Date: 2025-05-14
Form: 10-Q
Item: Part I, Item 8
Chunk 20
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6,719   6,719   -   6,719   - Accrued interest payable   6,851   6,851   -   6,851   - Off-balance sheet financial instruments:                Commitments to grant loans   -   -   -   -   - Unfunded commitments under lines of credit   -   -   -   -   - Standby letters of credit   -   -   -   -   -                   December 31, 2024:                Financial assets:                Cash and cash equivalents $ 96,522 $ 96,522 $ 96,522 $ - $ - Securities available-for-sale   280,828   280,828   -   280,828   - Loans receivable, net of allowance   1,256,256   1,155,247   -   -   1,155,247 Restricted investments in bank stock   1,663   1,663   -   1,663   - Accrued interest receivable   3,604   3,604   -   3,604   - Financial liabilities:                Deposits   1,552,959   1,550,360   -   1,550,360   - Securities sold under agreements to                    repurchase and federal funds purchased   4,895   4,895   -   4,895   - Short-term borrowings   15,625   15,625   -   15,625   - Accrued interest payable   7,812   7,812   -   7,812   - Off-balance sheet financial instruments:                Commitments to grant loans   -   -   -   -   - Unfunded commitments under lines of credit   -   -   -   -   - Standby letters of credit   -   -   -   -   -           

23  

  Item 2 – Management’s Discussion and Analysis of Financial Condition and Results of Operations This discussion and analysis provides an overview of the financial condition and results of operations of Embassy Bancorp, Inc. (the “Company”) as of March 31, 2025 and for the three months ended March 31, 2025 and 2024, respectively. This discussion should be read in conjunction with the preceding consolidated financial statements and related footnotes, as well as with the audited consolidated financial statements and the