gcbc: the income statement

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GREENE COUNTY BANCORP INC (GCBC)

For the year ending 2025-06-30, GCBC made $133,603K in revenue. $31,138K in net income. Net profit margin of 23.31%.

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

	2025-06-30
Provision for income taxes	3,528
Other operating income	2,899
Investment services	1,088
Loss on sale of securities available-for-sale	-665
Bank-owned life insurance	2,545
Service charges on deposit accounts	4,874
E-commerce fees	110
Debit card fees	4,382
Total noninterest income	15,233
Legal and professional fees	1,353
Other	3,763
Occupancy expense	2,629
Salaries and employee benefits	24,415
Service and data processing fees	2,931
Fdic insurance premiums	1,373
Equipment and furniture expense	791
Advertising and promotion	486
Computer software, supplies and support	1,631
Total noninterest expense	39,372
Provision for credit losses	1,316
Interest on deposits	55,058
Interest on borrowings	2,526
Total interest expense	57,584
Investment securities - tax exempt	19,648
Investment securities - taxable	14,574
Loans	79,979
Interest-bearing deposits and federal funds sold	3,504
Total interest income	117,705
Net interest income	60,121
Net interest income after provision for credit losses	58,805
Income before provision for income taxes	34,666
Net income	31,138

Basic average shares outstanding (in shares)	17,026,828
Basic earnings per share (in dollars per share)	1.83
Diluted average shares outstanding (in shares)	17,026,828
Diluted earnings per share (in dollars per share)	1.83

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