Embassy Bancorp Inc
OTC:EMYB
Income Statement
Income Statement
Embassy Bancorp Inc
| Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
20
|
21
|
21
|
21
|
22
|
22
|
22
|
23
|
23
|
24
|
24
|
25
|
25
|
25
|
26
|
26
|
26
|
27
|
28
|
29
|
30
|
31
|
31
|
32
|
33
|
33
|
33
|
33
|
34
|
34
|
35
|
36
|
38
|
40
|
41
|
43
|
43
|
44
|
44
|
45
|
46
|
46
|
45
|
42
|
39
|
37
|
36
|
36
|
36
|
37
|
39
|
|
| Interest Income |
25
|
25
|
25
|
24
|
25
|
25
|
25
|
26
|
26
|
27
|
27
|
28
|
28
|
29
|
29
|
30
|
30
|
31
|
32
|
33
|
34
|
35
|
36
|
37
|
39
|
40
|
41
|
42
|
43
|
43
|
44
|
44
|
44
|
45
|
46
|
47
|
48
|
47
|
48
|
49
|
50
|
53
|
54
|
56
|
57
|
59
|
60
|
63
|
65
|
67
|
68
|
|
| Interest Expense |
4
|
4
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
5
|
5
|
6
|
7
|
8
|
9
|
9
|
9
|
9
|
8
|
6
|
5
|
5
|
4
|
4
|
4
|
4
|
4
|
4
|
6
|
9
|
14
|
18
|
22
|
25
|
27
|
29
|
30
|
30
|
|
| Non Interest Income |
3
|
3
|
3
|
2
|
2
|
2
|
2
|
3
|
2
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
4
|
3
|
3
|
3
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
3
|
3
|
2
|
2
|
3
|
2
|
2
|
2
|
2
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
3
|
|
| Revenue |
23
N/A
|
24
+3%
|
24
+2%
|
24
-1%
|
24
+1%
|
24
+2%
|
25
+2%
|
25
+2%
|
25
+1%
|
26
+3%
|
27
+2%
|
27
+2%
|
28
+2%
|
28
+1%
|
28
+1%
|
29
+2%
|
30
+2%
|
30
+3%
|
31
+3%
|
32
+2%
|
33
+2%
|
33
+1%
|
34
+1%
|
34
+1%
|
34
+1%
|
35
+2%
|
35
+1%
|
35
+1%
|
36
+1%
|
36
+1%
|
37
+3%
|
39
+4%
|
40
+5%
|
42
+5%
|
44
+3%
|
45
+3%
|
46
+2%
|
46
+1%
|
47
+1%
|
47
+2%
|
49
+2%
|
49
+0%
|
48
-2%
|
45
-6%
|
42
-7%
|
40
-5%
|
39
-3%
|
39
+0%
|
39
+2%
|
40
+3%
|
42
+4%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(3)
|
(3)
|
(2)
|
(2)
|
(1)
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(0)
|
0
|
0
|
1
|
0
|
0
|
0
|
0
|
|
| Non Interest Expense |
(14)
|
(14)
|
(15)
|
(15)
|
(15)
|
(16)
|
(16)
|
(16)
|
(16)
|
(16)
|
(17)
|
(17)
|
(17)
|
(18)
|
(18)
|
(18)
|
(19)
|
(19)
|
(19)
|
(20)
|
(20)
|
(20)
|
(20)
|
(21)
|
(21)
|
(21)
|
(22)
|
(22)
|
(22)
|
(22)
|
(22)
|
(22)
|
(22)
|
(22)
|
(23)
|
(23)
|
(24)
|
(25)
|
(25)
|
(26)
|
(26)
|
(26)
|
(27)
|
(27)
|
(26)
|
(26)
|
(26)
|
(26)
|
(27)
|
(28)
|
(28)
|
|
| Pre-Tax Income |
8
N/A
|
8
+0%
|
8
+2%
|
8
-8%
|
8
+2%
|
8
+6%
|
8
+5%
|
9
+5%
|
9
-1%
|
10
+8%
|
10
+2%
|
10
+3%
|
10
+4%
|
10
-5%
|
10
N/A
|
10
+2%
|
10
-1%
|
10
+4%
|
11
+6%
|
11
+3%
|
12
+4%
|
12
+2%
|
12
+1%
|
12
+1%
|
12
+0%
|
13
+2%
|
13
+1%
|
13
+2%
|
13
+3%
|
13
-1%
|
14
+6%
|
15
+5%
|
16
+6%
|
18
+13%
|
19
+6%
|
20
+7%
|
21
+4%
|
21
+1%
|
21
-2%
|
21
+2%
|
22
+5%
|
21
-2%
|
20
-5%
|
18
-11%
|
15
-15%
|
14
-10%
|
13
-5%
|
13
-3%
|
13
-1%
|
13
+4%
|
14
+9%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(3)
|
(2)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(3)
|
(3)
|
(3)
|
(3)
|
(3)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(4)
|
(3)
|
(3)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
|
| Income from Continuing Operations |
6
|
6
|
6
|
5
|
6
|
6
|
6
|
6
|
6
|
7
|
7
|
7
|
7
|
7
|
7
|
7
|
7
|
7
|
8
|
8
|
8
|
9
|
9
|
10
|
10
|
10
|
10
|
11
|
11
|
11
|
11
|
12
|
13
|
14
|
15
|
16
|
17
|
17
|
17
|
17
|
18
|
17
|
17
|
15
|
13
|
11
|
11
|
11
|
10
|
11
|
12
|
|
| Net Income (Common) |
6
N/A
|
6
+0%
|
6
+1%
|
5
-7%
|
6
+2%
|
6
+5%
|
6
+5%
|
6
+5%
|
6
N/A
|
7
+7%
|
7
+2%
|
7
+2%
|
7
+3%
|
7
-4%
|
7
0%
|
7
+2%
|
7
-1%
|
7
+4%
|
8
+6%
|
8
+3%
|
7
-10%
|
8
+6%
|
8
+6%
|
9
+5%
|
10
+17%
|
10
+2%
|
10
+1%
|
11
+1%
|
11
+4%
|
11
-1%
|
11
+7%
|
12
+5%
|
13
+6%
|
14
+12%
|
15
+5%
|
16
+7%
|
17
+4%
|
17
+1%
|
17
-2%
|
17
+2%
|
18
+5%
|
17
-2%
|
17
-4%
|
15
-11%
|
13
-15%
|
11
-10%
|
11
-5%
|
11
-3%
|
10
-1%
|
11
+3%
|
12
+9%
|
|
| EPS (Diluted) |
0.8
N/A
|
0.79
-1%
|
0.8
+1%
|
0.74
-8%
|
0.76
+3%
|
0.79
+4%
|
0.83
+5%
|
0.87
+5%
|
0.87
N/A
|
0.93
+7%
|
0.95
+2%
|
0.97
+2%
|
1
+3%
|
0.96
-4%
|
0.95
-1%
|
0.97
+2%
|
0.96
-1%
|
0.99
+3%
|
1.05
+6%
|
1.08
+3%
|
0.97
-10%
|
1.03
+6%
|
1.08
+5%
|
1.14
+6%
|
1.34
+18%
|
1.37
+2%
|
1.39
+1%
|
1.41
+1%
|
1.44
+2%
|
1.44
N/A
|
1.53
+6%
|
1.61
+5%
|
1.7
+6%
|
1.91
+12%
|
2.01
+5%
|
2.14
+6%
|
2.22
+4%
|
2.25
+1%
|
2.2
-2%
|
2.24
+2%
|
2.34
+4%
|
2.28
-3%
|
2.18
-4%
|
1.95
-11%
|
1.67
-14%
|
1.5
-10%
|
1.43
-5%
|
1.39
-3%
|
1.37
-1%
|
1.42
+4%
|
1.54
+8%
|
|