Company: EMYB
Filing Date: 2025-05-14
Form Type: 10-Q
Source: 0001449794-25-000009
Chunk: 7

Company: Embassy Bancorp, Inc.
Filing Date: 2025-05-14
Form: 10-Q
Item: Part I, Item 8
Chunk 7
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, there were two (2) loans in non-accrual status in the amount of $244 thousand. There was a required related allowance of $64 thousand for these collateral dependent non-accrual loans. Interest income of $1 thousand was recognized for the three months ended March 31, 2024, on these non-accrual loans.‎

14  Embassy Bancorp, Inc.                                                                                                                            Notes to Consolidated Financial Statements (Unaudited) 

 The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the past due status as of March 31, 2025 and December 31, 2024, respectively:                             Greater           Loan      than       Receivables > 30-59 Days 60-89 Days 90 Days Total   Total Loan  90 Days and  Past Due Past Due Past Due Past Due Current Receivables Accruing                      March 31, 2025(In Thousands)Commercial real estate$ 171 $ - $ 136 $ 307 $ 544,275 $ 544,582 $ -Commercial construction  -   -   -   -   21,628   21,628   -Commercial  -   -   15   15   38,350   38,365   -Residential real estate  209   197   196   602   666,606   667,208   -Consumer  -   -   -   -   460   460   -             Total$ 380 $ 197 $ 347 $ 924 $ 1,271,319 $ 1,272,243 $ - December 31, 2024                    Commercial real estate$ - $ - $ 136 $ 136 $ 536,458 $ 536,594 $ -Commercial construction  -   -   -   -   22,556   22,556   -Commercial  -   -   15   15   39,369   39,384   -Residential real estate  752   -   215   967   667,758   668,725   -Consumer  -   -   -   -   475   475   -             Total$ 752 $ - $ 366 $ 1,118