| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 733 |
| Provision for credit losses | 59 |
| Net amortization of deferred fees on loans | -73 |
| Net amortization of securities premiums and discounts | 549 |
| Depreciation | 197 |
| 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 | 370 |
| Net realized gains on sale of foreclosed assets | 1 |
| Esop shares committed to be released | 42 |
| Earnings on investment in bank owned life insurance | 170 |
| Stock based compensation expense | 24 |
| Decrease (increase) in accrued interest receivable and other assets | -162 |
| Decrease in accrued interest payable and other liabilities | -39 |
| Net cash provided by (used in) operating activities | 830 |
| Proceeds from sales of securities (afs) | 2,375 |
| Proceeds from maturities and principal reductions of securities (afs) | 4,851 |
| Purchases of securities (afs) | 2,910 |
| Proceeds from sales of equity securities | 70 |
| (purchase) redemptions of fhlb stock | 286 |
| Net (increase) decrease in loans receivable | 7,498 |
| Additions to premises and equipment | 177 |
| Proceeds from the sale of foreclosed assets | 13 |
| Net cash (used in) provided by investing activities | -3,562 |
| Net increase (decrease) in deposits | -5,122 |
| Net change in short-term borrowings | 7,000 |
| Advance payments by borrowers for property taxes and insurance, net | 18 |
| Repurchase of authorized stock | 701 |
| Cash dividends paid to common stock shareholders | 174 |
| Net cash provided by (used in) financing activities | 1,021 |
| Net decrease in cash and cash equivalents | -1,711 |
| Cash and cash equivalents at beginning of period | 6,370 |
| Cash and cash equivalents at end of period | 4,659 |
Gouverneur Bancorp, Inc. MD (GOVB)
Gouverneur Bancorp, Inc. MD (GOVB)