Financial insights of GABC

MyFinsight

For the quarter ending 2025-09-30, GABC made $208,598K in revenue. $35,074K in net income. Net profit margin of 16.81%.

Income Overview

Revenue
$208,598K
Net Income
$35,074K
Net Profit Margin
16.81%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

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

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	93,305	90,002	81,505	61,140
Interest on federal funds sold and other short-term investments	2,084	3,932	2,216	2,223
Taxable	9,268	9,139	9,121	8,034
Non-taxable	3,440	3,362	3,374	3,256
Total interest income	108,097	106,435	96,216	74,653
Interest on deposits	29,416	30,635	27,028	23,375
Interest on fhlb advances and other borrowings	2,956	2,645	2,616	2,684
Total interest expense	32,372	33,280	29,644	26,059
Net interest income	75,725	73,155	66,572	48,594
Provision for credit losses	700	1,200	15,300	625
Non-interest income-Insurance Revenue	-	0	-	-
Net interest income after provision for credit losses	75,025	71,955	51,272	47,969
Non-interest income-Wealth Management Fees	4,288	4,165	-	-
Non-interest income-Service Chargeon Deposit Accounts	3,927	3,714	-	-
Non-interest income-Insurance Revenue	0	-	-	-
Company owned life insurance	630	703	575	476
Non-interest income-Interchange Fee Income	5,087	-	-	-
Non-interest income	-	-	11,743	11,300
Non-interest income-Interchange Fee Income	-	5,057	-	-
Gain on sale of assets of german american insurance	0	0	-	-
Other operating income	3,308	2,097	1,690	1,251
Net gains on sales of loans	1,189	997	832	704
Net gains (losses) on securities	0	0	-	70
Total non-interest income	18,429	16,733	14,840	13,801
Furniture and equipment expense	-	-	-	1,013
Salaries and employee benefits	25,444	26,638	28,040	19,718
Occupancy expense, furniture and equipment expense	5,255	4,751	4,663	2,867
Fdic premiums	1,059	888	900	755
Data processing fees	4,175	4,086	5,495	3,156
Professional fees	1,960	2,112	4,184	1,912
Advertising and promotion	1,321	1,300	1,454	941
Intangible amortization	2,693	2,803	2,070	484
Other operating expenses	7,793	6,939	5,976	5,280
Total non-interest expense	49,700	49,517	52,782	36,126
Income before income taxes	43,754	39,171	13,330	25,644
Income tax expense	8,680	7,810	2,813	4,596
Net income	35,074	31,361	10,517	21,048

Basic earnings per share (in dollars per share)	0.94	0.84	0.3	0.71
Diluted earnings per share (in dollars per share)	0.94	0.84	0.3	0.71
Diluted weighted average shares outstanding (in shares)	37,493,028	37,479,342	34,680,719	29,679,464
Weighted average shares outstanding (in shares)	37,493,028	37,479,342	34,680,719	29,679,464

MyFinsight

Income Overview

Revenue
$208,598K
Net Income
$35,074K
Net Profit Margin
16.81%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue
$208,598K
Net Income
$35,074K
Net Profit Margin
16.81%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Revenue$208,598KNet Income$35,074KNet Profit Margin16.81%EPS$0.94Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Revenue$208,598KNet Income$35,074KNet Profit Margin16.81%EPS$0.94Unit: Thousand (K) dollarsRevenue BreakdownInterest and fees on loansInterest on depositsSalaries and employee benefitsOthers

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Revenue
$208,598K
Net Income
$35,074K
Net Profit Margin
16.81%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others

Revenue
$208,598K
Net Income
$35,074K
Net Profit Margin
16.81%
EPS
$0.94
Unit: Thousand (K) dollars
Revenue Breakdown
Interest and fees on loans
Interest on deposits
Salaries and employee benefits
Others