Financial insights of PDLB

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest on loans receivable	162,512
Interest on deposits due from banks	4,662
Interest and dividend on securities and fhlbny stock	18,351
Total interest and dividend income	185,525
Interest on certificates of deposit	28,395
Interest on other deposits	36,714
Interest on borrowings	20,605
Total interest expense	85,714
Net interest income	99,811
Provision for credit losses (note 3) (note 5)	3,783
Net interest income after provision (benefit) for credit losses	96,028
Service charges and fees	2,117
Brokerage commissions	35
Late and prepayment charges	2,785
Income on sale of mortgage loans	622
Income on sale of sba loans	404
Grant income	1,285
Other	2,164
Total non-interest income	9,412
Compensation and benefits	31,388
Occupancy and equipment	15,787
Data processing expenses	4,859
Direct loan expenses	900
Insurance and surety bond premiums	1,254
Office supplies, telephone and postage	700
Professional fees	5,532
Marketing and promotional expenses	627
Federal deposit insurance and regulatory assessment	1,370
Other operating expenses	4,592
Total non-interest expense	67,009
Income before income taxes	38,431
Provision for income taxes (note 10)	9,728
Net income	28,703
Dividends on preferred shares	1,125
Net income (loss) available to common stockholders	27,578

Basic EPS	1.21
Diluted EPS	1.2
Basic Average Shares	22,746,226
Diluted Average Shares	23,060,669