gcbc: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

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

Cash Flow	2025-09-30
Net income	8,870
Depreciation	279
Deferred income tax benefit	-252
Net accretion of investment premiums and discounts	126
Net amortization of deferred loan costs and fees	-108
Amortization of subordinated debt issuance costs	37
Provision for credit losses	1,257
Bank-owned life insurance income	652
Net loss (gain) on equity securities	-11
Net increase in accrued income taxes	1,201
Net increase in accrued interest receivable	940
Net increase in prepaid expenses and other assets	1,559
Net decrease in accrued expenses and other liabilities	-1,284
Net cash provided by operating activities	6,950
Proceeds from maturities	66,523
Purchases of securities	60,145
Proceeds from principal payments on securities	1,331
Proceeds from maturities	13,688
Purchases of securities	33,156
Proceeds from principal payments on securities	8,545
Net redemption of federal home loan bank stock	-3,193
Maturity of long-term certificates of deposit	0
Net increase in loans receivable	43,609
Purchases of premises and equipment	402
Net cash used in investing activities	-44,032
Net repayment in short-term advances	-74,000
Repayment of long-term advances	0
Payment of cash dividends	781
Net increase in deposits	83,352
Net cash provided by financing activities	8,571
Net (decrease) increase in cash and cash equivalents	-28,511
Cash and cash equivalents at beginning of period	183,078
Cash and cash equivalents at end of period	154,567

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

gcbc: the cashflow