Company: EMYB
Filing Date: 2025-08-13
Form Type: 10-Q
Source: 0001449794-25-000020
Chunk: 34

Company: Embassy Bancorp, Inc.
Filing Date: 2025-08-13
Form: 10-Q
Item: Part I, Item 8
Chunk 34
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291)   (8)Total net change in income on                       interest-earning assets  1,607    472    1,091    44    3,448    1,371    2,259    (182)                        Interest-bearing liabilities:                       Interest bearing demand deposits,                       NOW and money market  (131)   18    (152)   3    (54)   94    (137)   (11)Savings  (53)   (20)   (35)   2    (50)   (79)   40    (11)Certificates of deposit  382    862    (494)   14    1,097    1,777    (625)   (55)Total deposits  198    860    (681)   19    993    1,792    (722)   (77)Securities sold under agreements to                       repurchase and other borrowings  (122)   (108)   (14)   -    (185)   (164)   (21)    -Total net change in expense on                       interest-bearing liabilities  76    752    (695)   19    808    1,628    (743)   (77)Change in net interest income$ 1,531  $ (280) $ 1,786  $ 25  $ 2,640  $ (257) $ 3,002  $ (105) Provision for Credit Losses and Reserve for Unfunded Loan Commitments The allowance for credit losses is established through provisions for credit losses charged against income. Loans deemed to be uncollectible are charged against the allowance for credit losses, and subsequent recoveries, if any, are credited to the allowance. The measurement of expected credit losses also applies to off-balance sheet credit exposures such as loan commitments and unused lines of credit. The allowance for credit losses is maintained at a level management considers to be adequate to provide for losses that can be reasonably anticipated over the expected life of the loans. Management’s periodic evaluation of the adequacy of the allowance is based on known and inherent risks in the portfolio, adverse situations that may affect the borrower’s ability to repay, the estimated value of any underlying collateral, composition of the loan portfolio,