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EMYB • CIK 0001449794
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans and Leases | $48,720 | $54,292 | $58,269 | $60,277 |
| Interest Income, Securities, Operating, Taxable | $6,127 | $6,357 | $8,741 | $9,307 |
| Interest Income, Securities, Operating, Tax Exempt | $1,223 | $1,186 | $1,190 | $1,192 |
| Interest Income (Expense), Net | $39,039 | $36,184 | $42,424 | $45,722 |
| Interest Income, Federal Funds Sold and Securities Purchased under Agreements to Resell | $1,086 | $3,136 | $3,262 | $3,773 |
| Interest and Dividend Income, Operating | $57,157 | $64,971 | $71,462 | $74,549 |
| Interest Income (Expense), after Provision for Loan Loss | $39,217 | $36,617 | $42,315 | $45,078 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $15,455 | $12,509 | $16,596 | $18,530 |
| Income Tax Expense (Benefit) | $2,799 | $2,069 | $2,899 | $3,295 |
| Net Income (Loss) Attributable to Parent | $12,656 | $10,440 | $13,697 | $15,235 |
| Interest Expense, Deposits | $17,614 | $28,231 | $28,892 | $28,718 |
| Interest Expense, Federal Funds Purchased and Securities Sold under Agreements to Repurchase | $292 | $545 | $144 | $109 |
| Interest Expense, Short-term Borrowings Excluding Federal Funds and Securities Sold under Agreements to Repurchase | $212 | $11 | $2 | $2 |
| InterestExpenseOperating | — | $28,787 | $29,038 | $28,827 |
| Bank Owned Life Insurance Income | $736 | $1,312 | $1,322 | $1,391 |
| Noninterest Income | $2,629 | $3,185 | $3,259 | $3,465 |
| Labor and Related Expense | $13,772 | $14,246 | $15,103 | $15,380 |
| Occupancy, Net | $3,894 | $4,138 | $4,229 | $4,369 |
| Information Technology and Data Processing | $2,954 | $2,941 | $3,570 | $3,872 |
| Marketing and Advertising Expense | $986 | $928 | $847 | $951 |
| Professional Fees | $1,073 | $1,098 | $1,094 | $1,130 |
| Federal Deposit Insurance Corporation Premium Expense | $760 | $793 | $805 | $836 |
| Loan Processing Fee | $215 | $244 | $303 | $277 |
| Other Noninterest Expense | $1,806 | $1,971 | $2,042 | $2,167 |
| Noninterest Expense | $26,391 | $27,293 | $28,978 | $30,013 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Cash and Due from Banks | $16,133 | $16,399 | $13,459 | $16,748 |
| Interest-bearing Deposits in Banks and Other Financial Institutions | $61,790 | $79,123 | $98,400 | $115,193 |
| Federal Funds Sold | $1,000 | $1,000 | $1,000 | $1,000 |
| Cash, Cash Equivalents, and Federal Funds Sold | $78,923 | $96,522 | $112,859 | $132,941 |
| Debt Securities, Available-for-sale | $276,060 | $280,828 | $341,930 | $347,888 |
| Financing Receivable, after Allowance for Credit Loss | $1,241,578 | $1,256,256 | $1,279,201 | $1,307,876 |
| Property, Plant and Equipment, Net | $3,734 | $3,322 | $2,879 | $2,743 |
| Bank Owned Life Insurance | $26,310 | $36,652 | $37,974 | $38,678 |
| Interest Receivable | $3,298 | $3,604 | $4,276 | $4,453 |
| Other Assets | $24,135 | $25,573 | $20,409 | $23,341 |
| Assets | $1,656,496 | $1,704,420 | $1,800,579 | $1,859,046 |
| Securities Sold under Agreements to Repurchase | $15,237 | $4,895 | $9,880 | $7,747 |
| Short-term Bank Loans and Notes Payable | $35,000 | $15,625 | $15,625 | $15,625 |
| Interest Payable | $7,844 | $7,812 | $7,198 | $7,389 |
| Other Liabilities | $16,527 | $16,649 | $15,674 | $22,165 |
| Liabilities | $1,550,841 | $1,597,940 | $1,673,004 | $1,730,992 |
| Common Stock, Value, Issued | $7,758 | $7,793 | $7,823 | $7,841 |
| Additional Paid in Capital | $28,246 | $28,802 | $29,223 | $29,617 |
| Retained Earnings (Accumulated Deficit) | $116,018 | $123,259 | $133,287 | $137,077 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-43,700 | $-50,635 | $-38,098 | $-38,647 |
| Treasury Stock, Value | $2,667 | $2,739 | $4,660 | $7,834 |
| Stockholders' Equity Attributable to Parent | $105,655 | $106,480 | $127,575 | $128,054 |
| Noninterest-bearing Deposit Liabilities, Domestic | $328,669 | $351,371 | $357,220 | $403,210 |
| Interest-bearing Deposit Liabilities, Domestic | $1,147,564 | $1,201,588 | $1,283,032 | $1,290,481 |
| Deposits | $1,476,233 | $1,552,959 | $1,640,252 | $1,693,691 |
| Financing Receivable, Allowance for Credit Loss | $12,461 | $12,166 | $12,039 | $12,456 |
| Common Stock, Shares Authorized | 20,000,000 | 20,000,000 | 20,000,000 | 20,000,000 |
| Common Stock, Shares, Issued | 7,758,247 | 7,792,654 | 7,822,622 | 7,840,882 |
| Common Stock, Shares, Outstanding | 7,596,236 | 7,626,292 | 7,547,344 | 7,405,604 |
| Treasury Stock, Common, Shares | 162,011 | 166,362 | 275,278 | 435,278 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $12,656 | $10,440 | $13,697 | $15,235 |
| Net Cash Provided by (Used in) Operating Activities | $19,498 | $9,944 | $12,833 | $15,886 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect | $11,628 | $17,599 | $16,337 | $41,124 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $78,923 | $96,522 | $112,859 | $156,789 |
| Payments to Acquire Debt Securities, Available-for-sale | $4,874 | $44,262 | $108,901 | $66,677 |
| Amortization of Deferred Loan Origination Fees, Net | $-234 | $-309 | $-405 | $-448 |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $55,741 | $31,637 | $64,723 | $56,947 |
| Depreciation | $915 | $1,147 | $1,065 | $1,091 |
| Payments for (Proceeds from) Loans and Leases | $45,658 | $14,554 | $23,430 | $38,911 |
| Accretion (Amortization) of Discounts and Premiums, Investments | $559 | $922 | $1,054 | $791 |
| Stock or Unit Option Plan Expense | $568 | $521 | $382 | $422 |
| Payment to Acquire Life Insurance Policy, Investing Activities | — | $9,030 | $9,030 | $9,030 |
| Gains (Losses) on Sales of Other Real Estate | — | — | $29 | $29 |
| Payments to Acquire Property, Plant, and Equipment | $806 | $739 | $632 | $667 |
| Bank Owned Life Insurance Income | $736 | $1,312 | $1,322 | $1,391 |
| Net Cash Provided by (Used in) Investing Activities | $3,255 | $-36,153 | $-67,628 | $-49,383 |
| Deferred Income Tax Expense (Benefit) | $-84 | $-46 | $-76 | $-76 |
| Increase (Decrease) in Accrued Interest Receivable, Net | $372 | $306 | $672 | $345 |
| Increase (Decrease) in Other Operating Assets | $-1,054 | $-1,587 | $-2,139 | $-1,149 |
| Increase (Decrease) in Interest Payable, Net | $6,858 | $-32 | $-614 | $-40 |
| Increase (Decrease) in Other Operating Liabilities | $-858 | $-1,009 | $-1,197 | $-431 |
| Net Change Interest and Noninterest-bearing Deposits, Domestic | $-44,874 | $76,726 | $87,293 | $83,484 |
| Increase (Decrease) in Federal Funds Purchased and Securities Sold under Agreements to Repurchase, Net | $1,853 | $-10,342 | $4,985 | $-180 |
| Proceeds from Stock Plans | $69 | $70 | $69 | $81 |
| Proceeds from Short-term Debt | $35,000 | $-19,375 | $-15,625 | $-15,625 |
| Payments for Repurchase of Common Stock | $132 | $72 | $11 | $11 |
| Payments of Dividends | $3,041 | $3,199 | $3,669 | $3,669 |
| Net Cash Provided by (Used in) Financing Activities | $-11,125 | $43,808 | $71,132 | $74,621 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $11,260 | $28,819 | $29,652 | $28,867 |
| IncomeTaxPaidFederalAfterRefundReceived | — | — | $2,900 | $3,600 |
| Real Estate Owned, Transfer from Real Estate Owned | — | — | $225 | $225 |