Financial insights of GSBC

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$17,476K
EPS
$1.58
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-09-30	2025-06-30
Loans	64,660	72,028	73,830
Investment securities and other	6,505	7,051	7,145
Total interest income	71,165	79,079	80,975
Deposits	18,337	23,984	24,368
Subordinated notes	-	-	909
Securities sold under reverse repurchase agreements	96	297	372
Short-term borrowings, overnight fhlbank borrowings and other interest-bearing liabilities	4,062	3,618	3,974
Subordinated debentures issued to capital trust	342	407	389
Total interest expense	22,837	28,306	30,012
Net interest income	48,328	50,773	50,963
Credit for losses on unfunded commitments	-931	-379	-110
Net interest income after provision for credit losses on loans and credit for losses on unfunded commitments	49,259	51,152	51,073
Commissions	615	566	411
Overdraft and insufficient funds fees	-1,231	-1,367	-1,266
Point-of-sale and atm fee income and service charges	-3,101	-3,290	-3,444
Net gains on loan sales	719	916	893
Late charges and fees on loans	-136	-189	-340
Loss on derivative interest rate products	2	2	28
Other income	1,229	736	1,886
Total non-interest income	7,029	7,062	8,212
Salaries and employee benefits	20,071	20,184	20,005
Net occupancy and equipment expense	8,864	8,873	8,435
Postage	925	893	825
Insurance	1,072	1,110	1,095
Advertising	372	985	705
Office supplies and printing	222	238	238
Telephone	685	690	705
Legal, audit and other professional fees	690	1,248	929
Expense (income) on other real estate and repossessions	-54	142	168
Intangible asset amortization	108	109	108
Other operating expenses	1,729	1,928	2,128
Total non-interest expense	34,792	36,116	35,005
Income before income taxes	21,496	22,098	24,280
Provision for income taxes	4,020	4,346	4,494
Net income	17,476	17,752	19,786

Basic EPS	1.59	1.57	1.73
Diluted EPS	1.58	1.56	1.72
Basic Average Shares	10,988,000	11,335,000	11,464,000
Diluted Average Shares	10,988,000	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
$17,476K
EPS
$1.58
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
$17,476K
EPS
$1.58
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$17,476KEPS$1.58Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Income Overview

Net Income$17,476KEPS$1.58Unit: Thousand (K) dollars

Time Plot

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

Income Statement

Net Income
$17,476K
EPS
$1.58
Unit: Thousand (K) dollars

Net Income
$17,476K
EPS
$1.58
Unit: Thousand (K) dollars