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Income Overview
Net Income
$287K
EPS
$0.28
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2025-12-31
2025-09-30
2025-06-30
Other short-term investments
-
20*
32
Loans, net
1,825
1,699*
1,720
Securities-taxable
262
306*
290
Securities-non-taxable
132
131*
128
Other short-term investments
21
-
-
Total interest income
2,240
2,156*
2,170
Deposits
348
438*
360
Net swap income on deposit hedge
-
3*
-
Borrowings - short term and long term
63
3*
-
Total interest expense
411
438*
360
Net interest income
1,829
1,718*
1,810
Provision (benefit) for credit losses - loans
14
34*
9
Provision for credit losses - unfunded commitments
-
-11*
3
Provision (benefit) for credit losses - unfunded commitments
-1
-
-
Net interest income after provision for credit losses
1,816
1,695*
1,798
Service charges
93
144*
81
Atm card fees
-65
-58*
-72
Realized gain on sales of securities - afs
-
4*
-
Realized gain on sales of equity securities
-
18*
-
Gain on life insurance death benefit
103
-
-
Earnings on investment in life insurance
48
41*
43
Earnings (gaines) on deferred fees plan
23
-18*
28
Unrealized loss on swap agreements
-
-9*
0
Earnings on secondary market programs
12
18*
9
Other non-interest income
1
32*
23
Total non-interest income, net
345
287*
256
Salaries and employee benefits
899
918*
842
Directors fees
94
105*
82
Earnings (gaines) on deferred fees plan
23
-18*
28
Building, occupancy and equipment
242
281*
218
Data processing
105
107*
100
Postage and supplies
22
29*
28
Professional fees
150
125*
180
Intangibles amortization
81
91*
93
Foreclosed assets, net
-18
-30*
18
Other non-interest expense
256
385*
197
Total non-interest expenses, net
1,854
1,993*
1,786
Income before income tax expense (benefit)
307
-11*
268
Income tax expense (benefit)
20
-93*
51
Net income
287
82
217
Basic EPS
0.28
0.079
0.22
Diluted EPS
0.28
0.079
0.22
Basic Average Shares
1,032,000
1,042,000
1,006,000
Diluted Average Shares
1,032,000
1,042,000
1,006,000
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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Income Statement
Loans, net
$1,825K
Securities-taxable
$262K
Securities-non-taxable
$132K
Other short-term
investments
$21K
Total interest income
$2,240K
Net interest income
$1,829K
Gain on life
insurance death benefit
$103K
Service charges
$93K
Atm card fees
-$65K
Earnings on investment in
life insurance
$48K
Earnings (gaines) on
deferred fees plan
$23K
Earnings on secondary
market programs
$12K
Other non-interest
income
$1K
Provision (benefit) for
credit losses -...
-$1K
Total interest
expense
$411K
Net interest income
after provision for...
$1,816K
Total non-interest
income, net
$345K
Provision (benefit) for
credit losses - loans
$14K
Deposits
$348K
Borrowings - short term and
long term
$63K
Income before income
tax expense...
$307K
Total non-interest
expenses, net
$1,854K
Foreclosed assets, net
-$18K
Net income
$287K
Income tax expense
(benefit)
$20K
Salaries and employee
benefits
$899K
Other non-interest
expense
$256K
Building, occupancy and
equipment
$242K
Professional fees
$150K
Data processing
$105K
Directors fees
$94K
Intangibles amortization
$81K
Earnings (gaines) on
deferred fees plan
$23K
Postage and supplies
$22K
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Gouverneur Bancorp, Inc. MD (GOVB)
Gouverneur Bancorp, Inc. MD (GOVB)