Financial insights of AMAL

MyFinsight

For the quarter ending 2025-09-30, AMAL made $196,727K in revenue. $26,790K in net income. Net profit margin of 13.62%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30
Loans	62,321	58,723
Securities	46,023	43,737
Interest-bearing deposits in banks	1,241	1,639
Total interest and dividend income	109,585	104,099
Deposits	32,583	30,593
Borrowed funds	555	597
Total interest expense	33,138	31,190
Net interest income	76,447	72,909
Provision for credit losses	5,301	4,890
Net interest income after provision for credit losses	71,146	68,019
Trust department fees	3,969	3,879
Service charges on deposit accounts	4,261	3,873
Bank-owned life insurance income	1,050	796
Losses on sale of securities and other assets, net	-1,226	-1,041
Gain (loss) on sale of loans and changes in fair value on loans held-for-sale, net	70	18
Equity method investments income (loss)	597	51
Other income	440	449
Total non-interest income	9,161	8,025
Compensation and employee benefits	25,459	23,240
Occupancy and depreciation	3,452	3,476
Professional fees	3,387	3,283
Technology	5,981	5,485
Amortization of intangible assets	-	144
Office maintenance and depreciation	582	570
Amortization of intangible assets	144	100
Advertising and promotion	497	412
Federal deposit insurance premiums	1,000	900
Other expense	3,115	3,074
Total non-interest expense	43,617	40,584
Income before income taxes	36,690	35,460
Income tax expense	9,900	9,471
Net income	26,790	25,989

Earnings per common share - basic (in dollars per share)	0.89	0.85
Earnings per common share - diluted (in dollars per share)	0.88	0.84
Weighted average common shares outstanding, basic (in shares)	30,176,000	30,558,000
Weighted average common shares outstanding, diluted (in shares)	30,411,000	30,758,000