Company: EMYB
Filing Date: 2025-03-17
Form Type: 10-K
Source: 0001449794-25-000002
Chunk: 4

Company: Embassy Bancorp, Inc.
Filing Date: 2025-03-17
Form: 10-K
Item: Item 7A
Chunk 4
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,597,940   1,550,841  Stockholders' Equity:       Common stock, $1 par value; authorized 20,000,000 shares;        2024 issued 7,792,654 shares; outstanding 7,626,292 shares;       2023 issued 7,758,247 shares; outstanding 7,596,236 shares  7,793   7,758  Surplus  28,802   28,246  Retained earnings  123,259   116,018  Accumulated other comprehensive loss  (50,635)   (43,700)  Treasury stock, at cost: 166,362 and 162,011 shares at December 31, 2024 and            December 31, 2023, respectively  (2,739)   (2,667)  Total Stockholders' Equity  106,480   105,655  Total Liabilities and Stockholders' Equity$ 1,704,420 $ 1,656,496   See notes to consolidated financial statements. ‎ 

55    Embassy Bancorp, Inc.  

 Consolidated Statements of Income              Year Ended December 31,        2024  2023      INTEREST INCOME(In Thousands, Except Per Share Data)Loans, including fees$ 54,292 $ 48,721Securities, taxable  6,357   6,127Securities, non-taxable  1,186   1,223Short-term investments, including federal funds sold  3,136   1,086Total Interest Income  64,971   57,157INTEREST EXPENSE     Deposits  28,231   17,614Securities sold under agreements to repurchase and        federal funds purchased  545   292Short-term borrowings  11   212Total Interest Expense  28,787   18,118Net Interest Income  36,184   39,039CREDIT FOR CREDIT LOSSES  (433)   (178)Net Interest Income after ‎   Credit for Credit Losses  36,617   39,217OTHER NON-INTEREST INCOME     Merchant and credit card processing fees  323   362Debit card interchange fees  910   895Other service fees  640   636Bank owned life insurance  1,312   736Total Other Non