For the quarter ending 2025-12-31, GCBC had -$30,479K decrease in cash & cash equivalents over the period. $6,219K in free cash flow.
| Cash Flow | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|
| Net income | 10,292 | 8,870 | 31,138 |
| Depreciation | 279 | 279 | 1,065 |
| Deferred income tax benefit | -2,721 | -252 | -706 |
| Net accretion of investment premiums and discounts | 860 | 126 | 301 |
| Net amortization of deferred loan costs and fees | -96 | -108 | -383 |
| Amortization of subordinated debt issuance costs | 25 | 37 | 186 |
| Provision for credit losses | 199 | 1,257 | 1,316 |
| Bank-owned life insurance income | 674 | 652 | 2,545 |
| Net loss on sale of securities available-for-sale | -576 | - | -665 |
| Net loss (gain) on equity securities | 7 | -11 | 74 |
| Net gain on sale of foreclosed real estate | - | - | 0 |
| Net decrease in accrued income taxes | -1,342 | 1,201 | 434 |
| Net increase in accrued interest receivable | 664 | 940 | 2,112 |
| Net (increase) decrease in prepaid expenses and other assets | -736 | 1,559 | 4,075 |
| Net decrease in accrued expenses and other liabilities | 493 | -1,284 | 2,604 |
| Net cash provided by operating activities | 6,428 | 6,950 | 27,978 |
| Proceeds from maturities | 66,165 | 66,523 | 209,744 |
| Proceeds from sale of securities | 8,299 | - | 6,676 |
| Purchases of securities | 316,199 | 60,145 | 271,781 |
| Proceeds from principal payments on securities | 181,593 | 1,331 | 57,430 |
| Proceeds from maturities | 15,344 | 13,688 | 58,204 |
| Purchases of securities | 50,094 | 33,156 | 172,377 |
| Proceeds from principal payments on securities | 11,757 | 8,545 | 28,102 |
| Net purchase of federal home loan bank stock | 7,913 | -3,193 | -1,792 |
| Maturity of long-term certificates of deposit | 200 | 0 | 1,400 |
| Surrender of bank owned life insurance | - | - | 0 |
| Purchase of bank owned life insurance | 6,345 | - | 0 |
| Net increase in loans receivable | 16,573 | 43,609 | 128,665 |
| Proceeds from sale of foreclosed real estate | - | - | 0 |
| Purchases of premises and equipment | 209 | 402 | 691 |
| Net cash used in investing activities | -113,975 | -44,032 | -210,166 |
| Net increase in short-term borrowings | -106,000 | - | 41,300 |
| Proceeds from long-term borrowings | - | - | 4,189 |
| Net repayment in short-term advances | - | -74,000 | - |
| Repayment of long-term borrowings | 0 | - | - |
| Repayment of long-term advances | - | 0 | 34,156 |
| Repayment of subordinated notes payable | 20,000 | - | - |
| Payment of cash dividends | 785 | 781 | 4,475 |
| Net increase in deposits | -82,147 | 83,352 | 250,613 |
| Net cash provided by financing activities | 77,068 | 8,571 | 174,871 |
| Net decrease in cash and cash equivalents | -30,479 | -28,511 | -7,317 |
| Cash and cash equivalents at beginning of period | 154,567 | 183,078 | - |
| Cash and cash equivalents at end of period | 124,088 | 154,567 | - |
GREENE COUNTY BANCORP INC (GCBC)
GREENE COUNTY BANCORP INC (GCBC)