MyState Limited (ASX:MYS)

MyState Income Statement

Financials in millions AUD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	500.22	478.92	352.97	159.75	164.34	188.33
Interest Paid on Deposits	374.87	354.39	220.38	49.5	52.39	88.81
Net Interest Income	125.34	124.54	132.59	110.25	111.95	99.52
Net Interest Income Growth (YoY)	-1.78%	-6.08%	20.27%	-1.52%	12.49%	11.34%
Trust Income	15.82	15.4	14.31	14.82	13.62	15.64
Gain (Loss) on Sale of Assets	-	-	-	0.32	-	0
Other Non-Interest Income	12.46	12.49	13.48	15.1	12.95	13.7
Total Non-Interest Income	28.27	27.89	27.79	30.25	26.57	29.34
Non-Interest Income Growth (YoY)	7.75%	0.39%	-8.14%	13.84%	-9.44%	-5.46%
Revenues Before Loan Losses	153.62	152.43	160.38	140.49	138.52	128.86
Provision for Loan Losses	-0.49	1.2	2.54	-0.76	-1	4.92
Revenue	154.11	151.23	157.84	141.25	139.52	123.94
Revenue Growth (YoY)	1.44%	-4.19%	11.74%	1.25%	12.57%	2.76%
Salaries and Employee Benefits	46.75	45.23	44.04	42.61	39.11	37.18
Occupancy Expenses	3.78	3.72	3.94	4.11	4.76	5.08
Selling, General & Administrative	50.39	48.8	51.49	46.17	38.44	36.13
Other Non-Interest Expense	3.01	3.28	3.19	2.99	2.58	2.56
Total Non-Interest Expense	103.94	101.02	102.65	95.88	84.9	80.95
EBT Excluding Unusual Items	50.17	50.2	55.19	45.37	54.62	42.99
Asset Writedown	-	-	-	0.53	-	-
Pretax Income	48.61	50.2	55.19	45.9	52.06	42.99
Income Tax Expense	14.88	14.91	16.68	13.88	15.72	12.93
Earnings From Continuing Operations	33.73	35.29	38.5	32.03	36.34	30.06
Net Income	33.73	35.29	38.5	32.03	36.34	30.06
Net Income to Common	33.73	35.29	38.5	32.03	36.34	30.06
Net Income Growth	-6.09%	-8.35%	20.22%	-11.87%	20.89%	-2.99%
Basic Shares Outstanding	111	110	109	106	93	91
Diluted Shares Outstanding	141	140	138	106	93	91
Shares Change (YoY)	0.71%	1.32%	30.09%	14.51%	1.39%	0.90%
EPS (Basic)	0.30	0.32	0.35	0.30	0.39	0.33
EPS (Diluted)	0.27	0.28	0.31	0.30	0.39	0.33
EPS Growth	-7.10%	-8.04%	2.34%	-23.04%	19.24%	-3.86%
Dividend Per Share	0.220	0.230	0.230	0.240	0.255	0.142
Dividend Growth	-4.35%	0%	-4.17%	-5.88%	78.95%	-50.43%
Effective Tax Rate	30.60%	29.71%	30.23%	30.23%	30.19%	30.07%

Source: S&P Capital IQ. Banks template. Financial Sources.