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Gouverneur Bancorp, Inc. MD (GOVB)
Gouverneur Bancorp, Inc. MD (GOVB)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
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Compare
Cash Flow Overview
Change in Cash
$50K
Free Cash flow
$445K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Net increase (decrease) in depos...
Proceeds from maturities and pri...
Advance payments by borrowers fo...
Others
Negative Cash Flow Breakdown
Purchases of securities (afs)
Net change in short-term borrowi...
Net increase in loans receivable
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2025-12-31
2025-09-30
2025-06-30
Net income
287
238
495
Provision for credit losses
13
32
27
Net amortization of deferred fees on loans
-22
-19
-54
Esop shares committed to be released
-
-
42
Net amortization of securities premiums and discounts
110
131
418
Depreciation
49
46
151
Deferred income tax expense (benefit)
-
15
-
Net realized gains on sale of securities available for sale ('afs')
-
16
-
Net realized gains on sale of equity securities
-
70
-
Net amortization of core deposits intangible
81
92
278
Net realized gains on sale of foreclosed assets
-
1
-
Esop shares committed to be released
53
42
-
Proceeds from life insurance death benefit
566
-
-
Gain on life insurance death benefit
103
-
-
Earnings on investment in bank owned life insurance
48
45
125
Stock based compensation expense
19
9
15
(increase) decrease in accrued interest receivable and other assets
453
-557
395
Increase (decrease) in accrued interest payable and other liabilities
83
-546
507
Net cash provided by operating activities
459
199
631
Proceeds from sales of securities (afs)
-
2,375
-
Proceeds from maturities and principal reductions of securities (afs)
3,609
965
3,886
Purchases of securities (afs)
4,990
1,731
1,179
Proceeds from sales of equity securities
-
70
-
Redemptions of fhlb stock
-87
296
-10
Net increase in loans receivable
1,677
5,622
1,876
Additions to premises and equipment
14
72
105
Proceeds from the sale of foreclosed assets
-
13
-
Net cash used in investing activities
-2,985
-4,298
736
Net increase (decrease) in deposits
3,738
-4,634
-488
Net change in short-term borrowings
-2,000
7,000
-
Advance payments by borrowers for property taxes and insurance, net
992
-743
761
Repurchase of authorized stock
60
69
632
Cash dividends paid to common stock shareholders
94
1
173
Net cash provided by financing activities
2,576
1,553
-532
Net increase in cash and cash equivalents
50
-2,546
835
Cash and cash equivalents at beginning of period
4,659
6,370
-
Cash and cash equivalents at end of period
4,709
4,659
-
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Net increase
(decrease) in deposits
$3,738K
Proceeds from life
insurance death benefit
$566K
Advance payments by
borrowers for property...
$992K
Net income
$287K
Increase (decrease) in
accrued interest...
$83K
Net amortization of
core deposits...
$81K
Esop shares
committed to be released
$53K
Depreciation
$49K
Net amortization of
deferred fees on loans
-$22K
Stock based
compensation expense
$19K
Provision for credit
losses
$13K
Net cash provided by
financing activities
$2,576K
Net cash provided by
operating activities
$459K
Canceled cashflow
$2,154K
Canceled cashflow
$714K
Net increase in cash
and cash...
$50K
Canceled cashflow
$2,985K
Net change in
short-term borrowings
-$2,000K
Cash dividends paid
to common stock...
$94K
Repurchase of authorized
stock
$60K
Proceeds from maturities
and principal...
$3,609K
Redemptions of fhlb stock
-$87K
(increase) decrease in
accrued interest...
$453K
Net amortization of
securities premiums and...
$110K
Gain on life
insurance death benefit
$103K
Earnings on investment in
bank owned life...
$48K
Net cash used in
investing activities
-$2,985K
Canceled cashflow
$3,696K
Purchases of securities
(afs)
$4,990K
Net increase in
loans receivable
$1,677K
Additions to premises and
equipment
$14K
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