Financial insights of GCBC

MyFinsight

For the quarter ending 2025-12-31.

Income Statement	2025-12-31	2025-09-30	2025-06-30
Loans	22,413	21,973	19,996*
Investment securities - tax exempt	5,422	5,266	4,912*
Investment securities - taxable	4,752	3,910	3,644*
Interest-bearing deposits and federal funds sold	910	474	876*
Total interest income	33,497	31,623	29,427*
Interest on deposits	13,925	13,363	13,765*
Interest on borrowings	513	740	632*
Total interest expense	14,438	14,103	14,396*
Net interest income	19,059	17,520	15,031*
Provision for credit losses	199	1,257	329*
Net interest income after provision for credit losses	18,860	16,263	14,702*
Service charges on deposit accounts	1,306	1,298	1,218*
Debit card fees	1,103	1,100	1,096*
Investment services	271	277	272*
E-commerce fees	29	27	28*
Bank-owned life insurance	674	652	636*
Net loss on sale of securities available-for-sale	-576	-	-166*
Other operating income	349	632	725*
Total noninterest income	3,156	3,986	3,808*
Salaries and employee benefits	6,223	6,156	6,104*
Occupancy expense	656	653	657*
Equipment and furniture expense	214	205	198*
Service and data processing fees	781	787	733*
Computer software, supplies and support	558	440	408*
Advertising and promotion	147	100	122*
Fdic insurance premiums	370	367	343*
Legal and professional fees	479	406	338*
Other	1,031	947	941*
Total noninterest expense	10,459	10,061	9,843*
Income before provision for income taxes	11,557	10,188	8,667*
Provision for income taxes	1,265	1,318	882*
Net income	10,292	8,870	7,785

Basic EPS	0.6	0.52	0.457
Diluted EPS	0.6	0.52	0.457
Basic Average Shares	17,026,828	17,026,828	17,026,828
Diluted Average Shares	17,026,828	17,026,828	17,026,828

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.