Financial insights of AMAL

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans	240,616
Securities	176,272
Interest-bearing deposits in banks	5,341
Total interest and dividend income	422,229
Deposits	121,554
Borrowed funds	2,891
Total interest expense	124,445
Net interest income	297,784
Provision for credit losses	16,323
Net interest income after provision for credit losses	281,461
Trust department fees	16,181
Service charges on deposit accounts	17,502
Bank-owned life insurance income	3,124
Losses on sale of securities and other assets, net	-3,431
Gain (loss) on sale of loans and changes in fair value on loans held-for-sale, net	-2,720
Equity method investments income (loss)	-1,733
Other income	2,017
Total non-interest income	30,940
Compensation and employee benefits	98,555
Occupancy and depreciation	13,385
Professional fees	14,301
Technology	24,075
Office maintenance and depreciation	2,145
Amortization of intangible assets	574
Advertising and promotion	2,353
Federal deposit insurance premiums	3,775
Other expense	13,083
Total non-interest expense	172,246
Income before income taxes	140,155
Income tax expense	35,708
Net income	104,447

Basic EPS	3.44
Diluted EPS	3.41
Basic Average Shares	30,328,000
Diluted Average Shares	30,632,000