gcbc: the income statement

MyFinsight

For the quarter ending 2025-09-30, GCBC made $59,773K in revenue. $8,870K in net income. Net profit margin of 14.84%.

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

Income Statement	2025-09-30
Loans	21,973
Investment securities - tax exempt	5,266
Investment securities - taxable	3,910
Interest-bearing deposits and federal funds sold	474
Total interest income	31,623
Interest on deposits	13,363
Interest on borrowings	740
Total interest expense	14,103
Net interest income	17,520
Provision for credit losses	1,257
Net interest income after provision for credit losses	16,263
Service charges on deposit accounts	1,298
Debit card fees	1,100
Investment services	277
E-commerce fees	27
Bank-owned life insurance	652
Other operating income	632
Total noninterest income	3,986
Salaries and employee benefits	6,156
Occupancy expense	653
Equipment and furniture expense	205
Service and data processing fees	787
Computer software, supplies and support	440
Advertising and promotion	100
Fdic insurance premiums	367
Legal and professional fees	406
Other	947
Total noninterest expense	10,061
Income before provision for income taxes	10,188
Provision for income taxes	1,318
Net income	8,870

Basic average shares outstanding (in shares)	17,026,828
Basic earnings per share (in dollars per share)	0.52
Diluted average shares outstanding (in shares)	17,026,828
Diluted earnings per share (in dollars per share)	0.52