| Cash Flow | 2025-06-30 |
|---|---|
| Stock-based compensation expense | 466 |
| Provision for credit losses | 172 |
| Net income | 7,235 |
| Decrease in other assets | -1,393 |
| Decrease in accounts payable and other liabilities | -1,142 |
| (decrease) increase in accrued interest payable | -143 |
| Originations of sba loans held for sale | 8,941 |
| Increase in accrued interest receivable | 318 |
| Gains on the sales of other real estate owned | 287 |
| Gains on sale of sba loans | 848 |
| Gains on the sale of premises and equipment | 0 |
| Esop compensation expense | 134 |
| Depreciation expense | 710 |
| Deferred income tax expense | -229 |
| (discount) premium (accretion) amortization on investment securities, net | 6 |
| Provision for loss on other real estate owned | 58 |
| Proceeds from the sales of sba loans | 9,790 |
| Income on bank owned life insurance | 501 |
| Net cash provided by operating activities | 7,543 |
| Proceeds from the sale of premises and land | 0 |
| Principal repayments on investment securities held-to-maturity | 4,232 |
| Redemption of federal home loan bank stock | 68 |
| Proceeds from maturities of investment securities held-to-maturity | 8,500 |
| Redemption of bank owned life insurance | 3,245 |
| Purchases of premises and equipment, net | 522 |
| Purchases of loans receivable | 0 |
| Purchases of investment securities held-to-maturity | 2,446 |
| Purchase of federal home loan bank stock | 545 |
| Purchases of investment securities available-for-sale | 6,915 |
| Proceeds from the sale of other real estate owned | -1,788 |
| Net increase in loans receivable | 63,490 |
| Principal repayments on investment securities available-for-sale | 1,084 |
| Net cash used in investing activities | -55,001 |
| Repayments of long-term advances | 1,500 |
| Proceeds from exercise of stock options | 24 |
| Proceeds from long-term advances | 8,986 |
| Dividends paid on common stock | 1,322 |
| Net increase in deposits | 23,288 |
| Purchase of treasury stock | 869 |
| Net increase in escrowed funds | 306 |
| Net cash provided by financing activities | 28,913 |
| Net decrease in cash and cash equivalents | -18,545 |
Magyar Bancorp, Inc. (MGYR)
Magyar Bancorp, Inc. (MGYR)