Financial insights of MOFG

MyFinsight

For the quarter ending 2025-09-30.

Income Statement	2025-09-30	2025-06-30
Loans, including fees	63,679	62,276
Taxable investment securities	12,109	12,928
Tax-exempt investment securities	688	699
Other	2,466	1,517
Total interest income	78,942	77,420
Deposits	26,270	25,665
Short-term borrowings	19	19
Long-term debt	1,645	1,754
Total interest expense	27,934	27,438
Net interest income	51,008	49,982
Credit loss expense	2,132	11,889
Net interest income after credit loss expense	48,876	38,093
Investment services and trust activities	4,059	3,705
Service charges and fees	2,423	2,190
Card revenue	1,752	1,934
Loan revenue	924	1,417
Bank-owned life insurance	703	677
Investment securities gains (losses), net	0	0
Other	392	326
Total noninterest income (loss)	10,253	10,249
Compensation and employee benefits	22,312	21,011
Occupancy expense of premises, net	2,690	2,540
Equipment	2,601	2,550
Legal and professional	2,067	2,153
Data processing	1,568	1,486
Marketing	624	762
Amortization of intangibles	1,143	1,252
Fdic insurance	780	851
Communications	155	161
Foreclosed assets, net	-401	-83
Other	3,296	2,918
Total noninterest expense	37,637	35,767
Income before income tax expense	21,492	12,575
Income tax expense (benefit)	4,477	2,595
Net income (loss)	17,015	9,980

Basic EPS	0.82	0.48
Diluted EPS	0.82	0.48
Basic Average Shares	20,681,991	20,816,411
Diluted Average Shares	20,718,431	20,843,471

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