Financial insights of GSBC

MyFinsight

For the quarter ending 2025-09-30.

Income Overview

Net Income
$17,752K
EPS
$1.56
Unit: Thousand (K) dollars

Income Statement	2025-09-30	2025-06-30
Loans	72,028	73,830
Investment securities and other	7,051	7,145
Total interest income	79,079	80,975
Deposits	23,984	24,368
Subordinated notes	-	909
Securities sold under reverse repurchase agreements	297	372
Short-term borrowings, overnight fhlbank borrowings and other interest-bearing liabilities	3,618	3,974
Subordinated debentures issued to capital trust	407	389
Total interest expense	28,306	30,012
Net interest income	50,773	50,963
Credit for losses on unfunded commitments	-379	-110
Net interest income after provision for credit losses on loans and credit for losses on unfunded commitments	51,152	51,073
Commissions	566	411
Overdraft and insufficient funds fees	-1,367	-1,266
Point-of-sale and atm fee income and service charges	-3,290	-3,444
Net gains on loan sales	916	893
Late charges and fees on loans	-189	-340
Loss on derivative interest rate products	2	28
Other income	736	1,886
Total non-interest income	7,062	8,212
Salaries and employee benefits	20,184	20,005
Net occupancy and equipment expense	8,873	8,435
Postage	893	825
Insurance	1,110	1,095
Advertising	985	705
Office supplies and printing	238	238
Telephone	690	705
Legal, audit and other professional fees	1,248	929
Income on other real estate and repossessions	142	168
Intangible asset amortization	109	108
Other operating expenses	1,928	2,128
Total non-interest expense	36,116	35,005
Income before income taxes	22,098	24,280
Provision for income taxes	4,346	4,494
Net income	17,752	19,786

Basic EPS	1.57	1.73
Diluted EPS	1.56	1.72
Basic Average Shares	11,335,000	11,464,000
Diluted Average Shares	11,335,000	11,464,000

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

MyFinsight

Income Overview

Net Income
$17,752K
EPS
$1.56
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

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Income Overview

Net Income
$17,752K
EPS
$1.56
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$17,752KEPS$1.56Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$17,752KEPS$1.56Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$17,752K
EPS
$1.56
Unit: Thousand (K) dollars

Net Income
$17,752K
EPS
$1.56
Unit: Thousand (K) dollars