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EMYB – Embassy Bancorp Inc

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1 = STRONG BUY | 2 = BUY | 3 = HOLD | 4 = UNDERPERFORM | 5 = SELL

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Company Profile

Consumers Bancorp, Inc. is a bank holding company for Consumers National Bank (Bank). The Company is engaged in the business of commercial and retail banking. The Bank’s business involves accepting deposits from businesses and individual customers and using such deposits to originate commercial, mortgage and consumer loans in its market area, consisting primarily of Carroll, Columbiana, Jefferson, Stark, Summit, and Wayne counties in Ohio. Its market includes these counties as well as the 14 contiguous counties in northeast Ohio, western Pennsylvania, and northern West Virginia. The Bank also invests in securities consisting primarily of United States government-sponsored entities, municipal obligations, mortgage-backed and collateralized mortgage obligations issued by Fannie Mae, Freddie Mac and Ginnie Mae. The Bank has approximately 21 full-service branch locations and one loan production office.

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