Financial insights of MBINL

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Loans	1,007,112
Mortgage loans in process of securitization	21,074
Available for sale	47,511
Held to maturity	93,133
Fhlb stock and other equity securities (dividends)	18,001
Other	14,020
Total interest income	1,200,851
Deposits	521,348
Short-term borrowings	130,554
Long-term borrowings	31,890
Total interest expense	683,792
Net interest income	517,059
Provision for credit losses	117,754
Net interest income after provision for credit losses	399,305
Gain on sale of loans	85,362
Loan servicing fees, net	22,369
Mortgage warehouse fees	7,089
Syndication and asset management fees	23,640
Other income	25,928
Total noninterest income	164,388
Salaries and employee benefits	166,512
Loan expense	4,207
Occupancy and equipment	10,680
Professional fees	12,860
Deposit insurance expense	31,796
Technology expense	10,039
Credit risk transfer premium expense	21,021
Other expense	42,778
Total noninterest expense	299,893
Income before income taxes	263,800
Provision for income taxes (includes 0, 26 and 0 of income tax benefit related to accumulated other comprehensive loss reclassifications)	45,030
Net income	218,770
Dividends on preferred stock	41,062
Preferred stock redemption	4,156
Net income allocated to common shareholders	173,552

Basic EPS	3.78
Diluted EPS	3.78
Basic Average Shares	45,871,698
Diluted Average Shares	45,942,730