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Income Overview
Net Income
$68,037K
EPS
$1.48
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Loans
252,546
230,269
239,384*
254,101
Mortgage loans in process of securitization
4,455
4,387
5,156*
5,308
Available for sale
9,562
9,942
11,549*
11,880
Held to maturity
18,076
19,479
24,744*
22,427
Fhlb stock and other equity securities (dividends)
4,979
4,394
4,642*
4,265
Other
4,454
2,040
2,995*
3,798
Total interest income
294,072
270,511
288,469*
301,779
Deposits
116,839
109,849
114,670*
139,744
Short-term borrowings
37,608
28,937
36,194*
25,926
Long-term borrowings
3,089
3,077
8,828*
8,051
Total interest expense
157,536
141,863
159,691*
173,721
Net interest income
136,536
128,648
128,778*
128,058
Provision for credit gaines
9,184
15,299
-5,645*
29,239
Net interest income after provision for credit losses
127,352
113,349
134,423*
98,819
Gain on sale of loans
13,160
13,506
13,343*
24,671
Loan servicing fees, net
11,992
15,099
1,183*
7,986
Mortgage warehouse fees
1,857
1,620
1,427*
1,736
Syndication and asset management fees
6,933
3,117
1,784*
4,864
Other income
11,738
13,257
6,412*
3,757
Total noninterest income
45,680
46,599
24,147*
43,014
Salaries and employee benefits
39,345
38,565
34,936*
44,152
Loan expense
1,177
1,185
600*
1,263
Occupancy and equipment
3,462
3,081
3,260*
2,453
Professional fees
3,328
2,767
3,065*
3,371
Deposit insurance expense
5,893
8,408
7,004*
9,376
Technology expense
2,893
2,679
2,458*
2,608
Credit risk transfer premium expense
6,100
5,764
7,580*
4,194
Other expense
11,050
13,193
9,112*
9,833
Total noninterest expense
73,248
75,642
68,013*
77,250
Income before income taxes
99,784
84,306
90,557*
64,583
Provision for income taxes
21,481
16,574
13,926*
9,882
Net income
78,303
67,732
76,631*
54,701
Dividends on preferred stock
10,266
10,265
10,266*
10,265
Preferred stock redemption
-
-
1,039*
-
Net income allocated to common shareholders
68,037
57,467
65,326
44,436
Basic EPS
1.48
1.25
1.425
0.97
Diluted EPS
1.48
1.25
1.422
0.97
Basic Average Shares
45,936,610
45,929,936
45,844,307
45,887,143
Diluted Average Shares
46,005,938
45,997,744
45,948,411
45,950,216
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Loans
$252,546K
(-1.21%↓ Y/Y)
Held to maturity
$18,076K
(-21.97%↓ Y/Y)
Available for sale
$9,562K
(-20.94%↓ Y/Y)
Fhlb stock and other
equity securities...
$4,979K
(7.28%↑ Y/Y)
Mortgage loans in process
of securitization
$4,455K
(-16.01%↓ Y/Y)
Other
$4,454K
(25.39%↑ Y/Y)
Total interest income
$294,072K
(-3.39%↓ Y/Y)
Net interest income
$136,536K
(6.07%↑ Y/Y)
Gain on sale of loans
$13,160K
(-43.62%↓ Y/Y)
Loan servicing fees,
net
$11,992K
(95.37%↑ Y/Y)
Other income
$11,738K
(26.84%↑ Y/Y)
Syndication and asset
management fees
$6,933K
(-28.58%↓ Y/Y)
Mortgage warehouse fees
$1,857K
(-8.93%↓ Y/Y)
Total interest
expense
$157,536K
(-10.33%↓ Y/Y)
Net interest income
after provision for...
$127,352K
(68.25%↑ Y/Y)
Total noninterest
income
$45,680K
(-9.51%↓ Y/Y)
Provision for credit
gaines
$9,184K
(-82.68%↓ Y/Y)
Deposits
$116,839K
(-11.06%↓ Y/Y)
Short-term borrowings
$37,608K
(1.70%↑ Y/Y)
Long-term borrowings
$3,089K
(-57.82%↓ Y/Y)
Income before income
taxes
$99,784K
(104.33%↑ Y/Y)
Total noninterest
expense
$73,248K
(-5.29%↓ Y/Y)
Net income
$78,303K
(106.16%↑ Y/Y)
Provision for income taxes
$21,481K
(97.91%↑ Y/Y)
Salaries and employee
benefits
$39,345K
(-9.69%↓ Y/Y)
Other expense
$11,050K
(-12.38%↓ Y/Y)
Credit risk transfer
premium expense
$6,100K
(27.96%↑ Y/Y)
Deposit insurance
expense
$5,893K
(-17.60%↓ Y/Y)
Occupancy and equipment
$3,462K
(38.81%↑ Y/Y)
Professional fees
$3,328K
(5.35%↑ Y/Y)
Technology expense
$2,893K
(18.27%↑ Y/Y)
Loan expense
$1,177K
(3.06%↑ Y/Y)
Net income
allocated to common...
$68,037K
(145.49%↑ Y/Y)
Dividends on preferred
stock
$10,266K
(0.00%↑ Y/Y)
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Merchants Bancorp (MBINN)
Merchants Bancorp (MBINN)