GSBC: the cashflow

MyFinsight

For the quarter ending 2025-09-30.

Cash Flow Overview

No enough data to generate the overview

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

Cash Flow	2025-09-30	2025-06-30
Interest income	240,297	-
Interest expense	89,227	-
Net interest income	151,070	-
Credit loss expense	-837	-
Net interest income after credit loss expense	151,907	-
Commissions	1,239	-
Overdraft and insufficient funds fees	-3,848	-
Point-of-sale and atm fee income and service charges	-9,968	-
Net gains on loan sales	2,410	-
Late charges and fees on loans	-772	-
Fees from debit card contracts	1,216	-
Other income	2,411	-
Total non-interest income	21,864	-
Salaries and incentives	48,928	-
Employee benefits	11,390	-
Net occupancy expense	9,663	-
Technology, furniture and equipment expense	16,178	-
Postage	2,649	-
Insurance	3,370	-
Advertising	1,980	-
Office supplies and printing	742	-
Telephone	2,101	-
Legal, audit and other professional fees	3,215	-
Income on other real estate and repossessions	380	-
Intangible asset amortization	325	-
Travel meals and entertainment	1,541	-
Other operating expenses	4,241	-
Total non-interest expense	105,943	-
Income before income taxes	67,828	-
Provision for income taxes	13,130	-
Net income	54,698	36,946
Proceeds from sales of loans held for sale	112,932	70,978
Originations of loans held for sale	108,734	67,720
Depreciation	5,935	3,950
Amortization	376	267
Compensation expense for stock option grants	1,369	912
Provision (credit) for unfunded commitments	-837	-458
Net gain on loan sales	2,410	1,494
Net (gain) loss on sale of premises and equipment	25	29
Net gain on sale/write-down of other real estate owned and repossessions	1	-5
Accretion of deferred income, premiums, discounts and other	11,119	7,478
Loss on derivative interest rate products	-54	-52
Deferred income taxes	-618	-277
Interest receivable	-499	214
Prepaid expenses and other assets	-914	-1,142
Accrued expenses and other liabilities	5,776	18,021
Income taxes refundable/payable	1,087	-295
Net cash provided by operating activities	59,896	54,308
Net change in loans	-245,169	-157,762
Purchase of loans	20,000	-
Purchase of premises and equipment	8,066	6,329
Proceeds from sale of premises and equipment	79	33
Proceeds from sale of other real estate owned and repossessions	142	37
Proceeds from maturities and calls of available-for-sale securities	1,624	1,617
Principal reductions on mortgage-backed securities	-37,664	-28,100
Purchase of available-for-sale securities	8,903	5,951
Investment in tax credit partnerships	10,909	9,003
Redemption of federal home loan bank stock and change in other interest-earning assets	-2,789	-4,678
Net cash provided by (used in) investing activities	239,589	170,944
Net decrease in certificates of deposit	-144,174	43,118
Net increase (decrease) in checking and savings deposits	66,682	35,459
Net increase in short-term borrowings	69,890	26,018
Repayment of borrowing under federal reserve bank term funding program	180,000	180,000
Redemption of subordinated notes	75,000	75,000
Advances from borrowers for taxes and insurance	4,632	3,550
Repurchase of the company's common stock	30,049	20,007
Dividends paid	13,877	9,318
Stock options exercised	2,890	1,085
Net cash provided by (used in) financing activities	-299,006	-175,095
Increase (decrease) in cash and cash equivalents	479	50,157
Cash and cash equivalents at beginning of period	195,756	-
Cash and cash equivalents at end of period	196,235	-

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

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GSBC: the cashflow