opbk: the income statement

MyFinsight

OP Bancorp (OPBK)

For the quarter ending 2025-06-30, OPBK made $1,017K in revenue. $6,333K in net income. Net profit margin of 622.71%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

	2025-06-30	2024-09-30	2024-06-30
Service charges on deposits	1,017	889	793
Other income	610	570	491
Gains on sale of loans	1,441	2,088	2,325
Loan servicing fees, net of amortization	900	693	575
Total noninterest income	3,968	4,240	4,184
Professional fees	418	346	406
Other expenses	1,082	788	779
Occupancy and equipment	1,584	1,676	1,660
Directors fees	198	154	178
Promotion and advertising	232	151	151
Salaries and employee benefits	9,075	8,031	7,568
Data processing and communication	306	634	530
Fdic insurance and regulatory assessments	506	391	378
Foundation donation and other contributions	636	549	539
Total noninterest expense	14,037	12,720	12,189
Provision for credit losses	1,206	448	617
Interest on deposits	17,475	17,921	17,343
Interest on borrowings	469	872	820
Total interest expense	17,944	18,793	18,163
Other interest income	1,965	1,788	2,162
Interest on afs debt securities	1,437	1,626	1,590
Interest and fees on loans	34,263	31,885	30,605
Total interest income	37,665	35,299	34,357
Net interest income	19,721	16,506	16,194
Net interest income after provision for credit losses	18,515	16,058	15,577
Income before income tax expense	8,446	7,578	7,572
Income tax expense	2,113	2,142	2,136
Net income	6,333	5,436	5,436

Average shares and dilutive potential common shares (in shares)	14,859,718	14,812,118	14,868,344
Basic earnings per share('eps') (usd per share)	0.42	0.36	0.36
Diluted eps (usd per share)	0.42	0.36	0.36
Weighted average common shares outstanding (in shares)	14,859,718	14,812,118	14,868,344

Unit: Thousand (K) dollars (except for numbers of shares and EPS)