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Financial Statements — EMYB
Balance Sheet
(in billions USD)| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | 0.13 | 0.14 | 0.11 | 0.11 | 0.09 | 0.10 | 0.10 | 0.09 | 0.14 | 0.06 | 0.08 | 0.08 | 0.07 | 0.08 | 0.07 | 0.07 | 0.13 | 0.15 | 0.17 | 0.13 |
| Net Loans & Leases | 1.31 | 1.28 | 1.28 | 1.27 | 1.27 | 1.26 | 1.26 | 1.25 | 1.25 | 1.26 | 1.24 | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Total Assets | 1.86 | 1.84 | 1.80 | 1.78 | 1.76 | 1.75 | 1.70 | 1.72 | 1.72 | 1.65 | 1.66 | 1.68 | 1.68 | 1.66 | 1.64 | 1.62 | 1.65 | 1.64 | 1.63 | 1.57 |
| Total Deposits | 1.69 | 1.68 | 1.64 | 1.62 | 1.61 | 1.61 | 1.55 | 1.54 | 1.57 | 1.51 | 1.48 | 1.47 | 1.51 | 1.53 | 1.52 | 1.51 | 1.53 | 1.51 | 1.47 | 1.40 |
| Long-term Debt | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 0.01 | 0.01 | 0.01 |
| Total Liabilities | 1.73 | 1.72 | 1.67 | 1.66 | 1.65 | 1.64 | 1.60 | 1.60 | 1.61 | 1.55 | 1.55 | 1.59 | 1.59 | 1.56 | 1.55 | 1.54 | 1.57 | 1.54 | 1.51 | 1.45 |
| Retained Earnings | 0.14 | 0.14 | 0.13 | 0.13 | 0.13 | 0.13 | 0.12 | 0.12 | 0.12 | 0.12 | 0.12 | 0.11 | 0.11 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 | 0.09 | 0.09 |
| Total Stockholder Equity | 0.13 | 0.12 | 0.13 | 0.12 | 0.11 | 0.11 | 0.11 | 0.11 | 0.10 | 0.10 | 0.11 | 0.09 | 0.10 | 0.10 | 0.09 | 0.08 | 0.09 | 0.10 | 0.12 | 0.12 |
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Income Statement
(in millions USD) (except per-share rows)| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest & Dividend Income | 19.25 | 18.50 | 18.54 | 18.26 | 17.73 | 16.94 | 16.83 | 16.92 | 16.12 | 15.10 | 14.77 | 14.51 | 14.16 | 13.72 | 13.60 | 13.00 | 12.19 | 11.59 | 11.89 | 12.26 |
| Interest Expense | -- | -- | -- | -- | -- | -- | -- | -- | -- | 6.38 | 5.99 | 5.11 | 4.15 | 2.87 | 1.41 | 0.91 | 0.89 | 0.90 | 0.91 | 0.94 |
| Net Interest Income | 12.10 | 11.44 | 11.33 | 10.85 | 10.42 | 9.83 | 9.41 | 9.17 | 8.89 | 8.72 | 8.78 | 9.40 | 10.01 | 10.85 | 12.19 | 12.09 | 11.31 | 10.69 | 10.98 | 11.33 |
| Provision for Credit Losses | 0.38 | 0.06 | 0.10 | 0.04 | (0.16) | 0.06 | (0.04) | (0.04) | (0.29) | (0.16) | -- | (0.30) | 0.11 | -- | 0.27 | 0.28 | 0.35 | -- | 0.18 | 0.15 |
| Non-interest Income | 1.06 | 0.72 | 0.81 | 0.89 | 0.94 | 0.63 | 0.90 | 0.85 | 0.70 | 0.73 | 0.73 | 0.57 | 0.68 | 0.66 | 0.66 | 0.58 | 0.33 | 0.77 | 0.74 | 0.51 |
| Non-interest Expense | 7.78 | 7.56 | 7.56 | 7.11 | 7.41 | 6.90 | 7.11 | 6.81 | 6.88 | 6.50 | 6.06 | 6.60 | 6.86 | 6.87 | 6.38 | 6.49 | 6.55 | 6.32 | 6.34 | 6.15 |
| Pretax Income | 4.99 | 4.58 | 4.36 | 4.60 | 4.13 | 3.51 | 3.24 | 3.25 | 3.00 | 3.02 | 3.43 | 3.67 | 3.71 | 4.64 | 6.21 | 5.91 | 4.73 | 5.15 | 5.20 | 5.53 |
| Tax Provision | 0.87 | 0.84 | 0.78 | 0.81 | 0.69 | 0.62 | 0.55 | 0.53 | 0.51 | 0.49 | 0.61 | 0.67 | 0.67 | 0.85 | 1.22 | 1.16 | 0.96 | 0.95 | 1.00 | 1.09 |
| Net Income | 4.12 | 3.74 | 3.58 | 3.79 | 3.44 | 2.89 | 2.70 | 2.71 | 2.49 | 2.54 | 2.82 | 3.00 | 3.05 | 3.79 | 4.98 | 4.75 | 3.77 | 4.20 | 4.20 | 4.44 |
| Basic EPS | 0.56 | 0.50 | 0.46 | 0.50 | 0.45 | 0.38 | 0.35 | 0.36 | 0.33 | 0.33 | 0.38 | 0.39 | 0.40 | 0.50 | 0.65 | 0.63 | 0.50 | 0.56 | 0.55 | 0.59 |
| Diluted EPS | 0.56 | 0.50 | 0.46 | 0.50 | 0.45 | 0.38 | 0.35 | 0.36 | 0.33 | 0.33 | 0.38 | 0.39 | 0.40 | 0.50 | 0.65 | 0.63 | 0.50 | 0.56 | 0.56 | 0.59 |
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Cash Flow Statement
(in millions USD)| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 3.18 | 4.83 | 3.88 | 3.99 | 2.28 | 2.68 | 2.17 | 5.67 | 0.30 | 1.81 | 2.76 | 5.66 | 4.53 | 6.55 | 5.15 | 6.39 | 3.18 | 5.18 | 3.57 | 3.83 |
| Capital Expenditures | 0.24 | 0.18 | 0.13 | 0.12 | 0.31 | 0.08 | 0.25 | 0.16 | 0.06 | 0.27 | 0.21 | 0.18 | 0.34 | 0.08 | 0.05 | 0.27 | 0.19 | 0.21 | 0.35 | 0.76 |
| Free Cash Flow* | 2.94 | 4.66 | 3.76 | 3.87 | 1.97 | 2.61 | 1.91 | 5.51 | 0.25 | 1.53 | 2.55 | 5.48 | 4.19 | 6.47 | 5.10 | 6.13 | 2.99 | 4.98 | 3.22 | 3.07 |
| Investing Cash Flow | (18.78) | (17.32) | (14.57) | 1.30 | (7.85) | (46.51) | 4.30 | (34.56) | 15.42 | (21.31) | 38.29 | (3.43) | (23.85) | (7.75) | (22.59) | (40.96) | (46.26) | (51.51) | (29.46) | (30.38) |
| Financing Cash Flow | 6.71 | 41.47 | 15.55 | 10.89 | (0.51) | 45.20 | (1.85) | (15.09) | 60.66 | 0.09 | (39.78) | 0.69 | 18.95 | 9.01 | 12.54 | (26.12) | 25.69 | 26.91 | 64.86 | 47.13 |
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* Derived from reported values
Dividends Per Share
(USD)| Metric | Q2 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q4 2021 | Q2 2021 | Q4 2020 | Q3 2020 | Q4 2019 | Q3 2019 | Q2 2019 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividends Per Share | 0.55 | 0.00 | 0.00 | 0.48 | 0.00 | 0.00 | 0.42 | 0.00 | 0.00 | 0.40 | 0.00 | 0.00 | 0.35 | 0.00 | 0.30 | 0.00 | 0.22 | 0.00 | 0.20 | 0.20 |
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