Financial insights of MGYR

MyFinsight

For the year ending 2025-09-30.

Income Statement	2025-09-30
Loans, including fees	49,920
Taxable	4,517
Tax-exempt	58
Federal home loan bank of new york stock	211
Total interest and dividend income	54,706
Deposits	21,756
Borrowings	1,054
Total interest expense	22,810
Net interest and dividend income	31,896
Provision for credit losses-loans	653
Recovery for credit losses-unfunded commitments	-251
Total provision for credit losses	402
Net interest and dividend income after provision for credit losses	31,494
Service charges	1,439
Income on bank owned life insurance	673
Interest rate swap fees	179
Other operating income	58
Gains on sba loans	1,135
Net gains on oreo	229
Total other income	3,713
Compensation and employee benefits	12,716
Occupancy expenses	3,463
Professional fees	705
Director fees and benefits	787
Data processing expenses	471
Marketing and business development	438
Fdic deposit insurance premiums	451
Other expenses	2,367
Total other expenses	-21,398
Income before income tax expense	13,809
Income tax expense	4,049
Net income	9,760

Basic EPS	1.57
Diluted EPS	1.56
Basic Average Shares	6,221,921
Diluted Average Shares	6,239,678