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Income Statement
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Balance Sheet
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Income Overview
Net Income
$3,093K
EPS
$0.49
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Loans, including fees
13,847
13,597
12,096*
12,608
Taxable
1,329
1,277
566*
1,317
Tax-exempt
14
14
16*
14
Federal home loan bank of new york stock
62
65
64*
49
Total interest and dividend income
15,252
14,953
12,742*
13,988
Deposits
5,432
5,324
5,112*
5,548
Borrowings
401
397
268*
262
Total interest expense
5,833
5,721
5,380*
5,810
Net interest and dividend income
9,419
9,232
7,362*
8,178
Provision for credit losses- loans
184
172
293*
120
Provision (recovery) for credit losses- unfunded commitments
167
84
-194*
-19
Total provision for credit losses
351
256
99*
101
Net interest and dividend income after provision (recovery) for credit losses
9,068
8,976
7,263*
8,077
Net gain (loss) on oreo
-
22
211*
6
Service charges
258
392
419*
340
Income on bank owned life insurance
170
166
157*
172
Interest rate swap fees
78
-
-151*
110
Other operating income
8
8
34*
8
Gains on premises and equipment
-
-
-
0
Gains on sba loans
303
269
1,135*
0
Total other income
817
857
1,805*
636
Compensation and employee benefits
3,360
3,363
3,404*
3,104
Occupancy expenses
837
843
1,063*
800
Professional fees
134
174
147*
186
Director fees and benefits
190
194
205*
194
Data processing expenses
157
162
111*
120
Marketing and business development
132
121
96*
114
Fdic deposit insurance premiums
121
119
106*
115
Other expenses
601
589
549*
606
Total other expenses
-5,532
-5,565
-5,681*
-5,239
Income before income tax expense
4,353
4,268
3,387*
3,474
Income tax expense
1,260
1,238
1,037*
1,004
Net income
3,093
3,030
2,350
2,470
Basic EPS
0.5
0.49
0.377
0.4
Diluted EPS
0.49
0.48
0.376
0.4
Basic Average Shares
6,216,821
6,221,123
6,226,203
6,217,639
Diluted Average Shares
6,287,533
6,293,873
6,247,109
6,232,247
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, including fees
$13,847K
(9.83%↑ Y/Y)
Taxable
$1,329K
(0.91%↑ Y/Y)
Federal home loan bank of
new york stock
$62K
(26.53%↑ Y/Y)
Tax-exempt
$14K
(0.00%↑ Y/Y)
Total interest and
dividend income
$15,252K
(9.04%↑ Y/Y)
Net interest and
dividend income
$9,419K
(15.17%↑ Y/Y)
Gains on sba loans
$303K
Service charges
$258K
(-24.12%↓ Y/Y)
Income on bank owned
life insurance
$170K
(-1.16%↓ Y/Y)
Interest rate swap fees
$78K
(-29.09%↓ Y/Y)
Other operating
income
$8K
(0.00%↑ Y/Y)
Total interest
expense
$5,833K
(0.40%↑ Y/Y)
Net interest and
dividend income after...
$9,068K
(12.27%↑ Y/Y)
Total other income
$817K
(28.46%↑ Y/Y)
Total provision for
credit losses
$351K
(247.52%↑ Y/Y)
Deposits
$5,432K
(-2.09%↓ Y/Y)
Borrowings
$401K
(53.05%↑ Y/Y)
Income before income
tax expense
$4,353K
(25.30%↑ Y/Y)
Total other expenses
-$5,532K
(-5.59%↓ Y/Y)
Provision for credit
losses- loans
$184K
(53.33%↑ Y/Y)
Provision (recovery) for
credit losses-...
$167K
(978.95%↑ Y/Y)
Net income
$3,093K
(25.22%↑ Y/Y)
Income tax expense
$1,260K
(25.50%↑ Y/Y)
Compensation and employee
benefits
$3,360K
(8.25%↑ Y/Y)
Occupancy expenses
$837K
(4.63%↑ Y/Y)
Other expenses
$601K
(-0.83%↓ Y/Y)
Director fees and
benefits
$190K
(-2.06%↓ Y/Y)
Data processing
expenses
$157K
(30.83%↑ Y/Y)
Professional fees
$134K
(-27.96%↓ Y/Y)
Marketing and business
development
$132K
(15.79%↑ Y/Y)
Fdic deposit
insurance premiums
$121K
(5.22%↑ Y/Y)
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Magyar Bancorp, Inc. (MGYR)
Magyar Bancorp, Inc. (MGYR)