MyState Limited (ASX:MYS)

MyState Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Jun 30, 2025	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021
Interest Income on Loans	726.3	608.58	478.92	352.97	159.75	164.34
Interest Paid on Deposits	529.3	452.01	354.39	220.38	49.5	52.39
Net Interest Income	197	156.57	124.54	132.59	110.25	111.95
Net Interest Income Growth (YoY)	57.16%	25.72%	-6.08%	20.27%	-1.52%	12.49%
Trust Income	15.64	14.54	15.4	14.31	14.82	13.62
Gain (Loss) on Sale of Assets	-	-	-	-	0.32	-
Other Non-Interest Income	22.24	15.53	12.49	13.48	15.1	12.95
Total Non-Interest Income	37.88	30.07	27.89	27.79	30.25	26.57
Non-Interest Income Growth (YoY)	33.99%	7.80%	0.39%	-8.14%	13.84%	-9.44%
Revenues Before Loan Losses	234.88	186.64	152.43	160.38	140.49	138.52
Provision for Loan Losses	2.25	0.48	1.2	2.54	-0.76	-1
Revenue	232.63	186.16	151.23	157.84	141.25	139.52
Revenue Growth (YoY)	50.95%	23.10%	-4.19%	11.74%	1.25%	12.57%
Salaries and Employee Benefits	73.57	57.45	45.23	44.04	42.61	39.11
Occupancy Expenses	6.55	4.94	3.72	3.94	4.11	4.76
Selling, General & Administrative	71.89	61.01	48.8	51.49	46.17	38.44
Other Non-Interest Expense	4.87	3.58	3.28	3.19	2.99	2.58
Total Non-Interest Expense	156.88	126.98	101.02	102.65	95.88	84.9
EBT Excluding Unusual Items	75.75	59.18	50.2	55.19	45.37	54.62
Asset Writedown	-	-	-	-	0.53	-
Pretax Income	68.4	53.3	50.2	55.19	45.9	52.06
Income Tax Expense	21.47	17.74	14.91	16.68	13.88	15.72
Earnings From Continuing Operations	46.93	35.56	35.29	38.5	32.03	36.34
Net Income	46.93	35.56	35.29	38.5	32.03	36.34
Net Income to Common	46.93	35.56	35.29	38.5	32.03	36.34
Net Income Growth	39.12%	0.76%	-8.34%	20.22%	-11.87%	20.89%
Basic Shares Outstanding	164	135	110	109	106	93
Diluted Shares Outstanding	194	165	140	138	106	93
Shares Change (YoY)	38.17%	17.60%	1.32%	30.09%	14.51%	1.39%
EPS (Basic)	0.29	0.26	0.32	0.35	0.30	0.39
EPS (Diluted)	0.25	0.24	0.28	0.31	0.30	0.39
EPS Growth	-3.96%	-14.37%	-10.69%	2.34%	-23.04%	19.24%
Dividend Per Share	0.230	0.215	0.230	0.230	0.240	0.255
Dividend Growth	4.54%	-6.52%	-	-4.17%	-5.88%	78.95%
Effective Tax Rate	31.39%	33.28%	29.71%	30.23%	30.23%	30.19%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.