Financial insights of MGYR

MyFinsight

For the quarter ending 2026-03-31.

Income Statement	2026-03-31	2025-09-30	2025-06-30
Loans, including fees	13,597	12,096*	12,608
Taxable	1,277	566*	1,317
Tax-exempt	14	16*	14
Federal home loan bank of new york stock	65	64*	49
Total interest and dividend income	14,953	12,742*	13,988
Deposits	5,324	5,112*	5,548
Borrowings	397	268*	262
Total interest expense	5,721	5,380*	5,810
Net interest and dividend income	9,232	7,362*	8,178
Provision for credit losses-loans	172	293*	120
Provision (recovery) for credit losses-unfunded commitments	84	-194*	-19
Total provision (recovery) for credit losses	256	99*	101
Net interest and dividend income after provision (recovery) for credit losses	8,976	7,263*	8,077
Service charges	392	419*	340
Income on bank owned life insurance	166	157*	172
Interest rate swap fees	-	-151*	110
Other operating income	8	34*	8
Gains on premises and equipment	-	-	0
Gains on sba loans	269	1,135*	0
Net gain (loss) on oreo	22	211*	6
Total other income	857	1,805*	636
Compensation and employee benefits	3,363	3,404*	3,104
Occupancy expenses	843	1,063*	800
Professional fees	174	147*	186
Director fees and benefits	194	205*	194
Data processing expenses	162	111*	120
Marketing and business development	121	96*	114
Fdic deposit insurance premiums	119	106*	115
Other expenses	589	549*	606
Total other expenses	-5,565	-5,681*	-5,239
Income before income tax expense	4,268	3,387*	3,474
Income tax expense	1,238	1,037*	1,004
Net income	3,030	2,350	2,470

Basic EPS	0.49	0.377	0.4
Diluted EPS	0.48	0.376	0.4
Basic Average Shares	6,221,123	6,226,203	6,217,639
Diluted Average Shares	6,293,873	6,247,109	6,232,247

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.