Generations Bancorp NY, Inc. (GBNY)

Generations Bancorp NY Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jun 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	9.83	14.53	8	21	26.83	11.7
Investment Securities	30.2	36.34	33.71	37.94	18.55	33.16
Mortgage-Backed Securities	0.78	0.82	0.96	1.16	1.52	2.13
Total Investments	30.98	37.16	34.67	39.1	20.07	35.28
Gross Loans	325.45	336.6	306.65	280.31	287.88	261.7
Allowance for Loan Losses	-3.18	-2.97	-2.5	-1.84	-1.82	-1.66
Other Adjustments to Gross Loans	-0.12	-0.15	-0.27	-0.35	-0.42	-0.42
Net Loans	322.16	333.48	303.88	278.12	285.64	259.62
Property, Plant & Equipment	13.76	14.2	14.86	15.35	16.74	17.59
Goodwill	-	-	0.79	0.79	0.79	0.79
Other Intangible Assets	0.62	0.65	0.72	0.78	0.85	0.91
Accrued Interest Receivable	1.78	1.61	1.3	1.25	1.18	1.22
Restricted Cash	-	-	-	-	-	1.75
Long-Term Deferred Tax Assets	-	-	0.14	-	-	-
Other Real Estate Owned & Foreclosed	-	0.12	0.01	0.03	0.05	0.07
Other Long-Term Assets	21.13	21.16	20.16	21.08	19.66	16.35
Total Assets	401.76	424.5	386.29	378.95	373.8	347.55
Interest Bearing Deposits	289.69	268.78	233.97	230.35	221.57	245.24
Institutional Deposits	-	37.3	29.1	24.16	22.3	-
Non-Interest Bearing Deposits	49.14	51.53	54.61	57.54	65.67	38.1
Total Deposits	338.82	357.61	317.68	312.05	309.55	283.34
Short-Term Borrowings	-	-	16.2	-	-	-
Current Portion of Long-Term Debt	-	3.58	2.84	6.46	10.28	7.44
Long-Term Debt	-	-	-	-	-	0.74
Federal Home Loan Bank Debt, Long-Term	21.32	20	7.49	11.3	18.58	24.01
Long-Term Leases	-	-	-	-	-	0.05
Long-Term Deferred Tax Liabilities	-	-	-	1.12	0.79	0.06
Other Long-Term Liabilities	6.07	5.62	4.75	4.54	4.72	3.69
Total Liabilities	366.21	386.8	348.97	335.47	343.91	319.32
Common Stock	0.02	0.02	0.02	0.03	0.03	0.03
Additional Paid-In Capital	22.37	22.29	23	24.49	11.95	11.96
Retained Earnings	19.61	21	22.51	21.67	20.26	18.57
Treasury Stock	-	-	-	-	-0.61	-0.57
Comprehensive Income & Other	-6.46	-5.61	-8.21	-2.71	-1.74	-1.76
Shareholders' Equity	35.55	37.7	37.33	43.48	29.89	28.23
Total Liabilities & Equity	401.76	424.5	386.29	378.95	373.8	347.55
Total Debt	21.32	23.58	26.53	17.76	28.86	32.23
Net Cash (Debt)	-7.68	-4.04	-17.88	3.89	-2.03	-20.53
Net Cash Per Share	-3.58	-1.84	-7.74	1.65	-0.83	-8.36
Filing Date Shares Outstanding	2.24	2.24	2.34	2.46	2.46	2.46
Total Common Shares Outstanding	2.24	2.24	2.35	2.46	2.46	2.46
Book Value Per Share	15.86	16.86	15.89	17.69	12.13	11.49
Tangible Book Value	34.93	37.04	35.82	41.9	28.25	26.53
Tangible Book Value Per Share	15.58	16.57	15.25	17.05	11.47	10.80

Source: S&P Capital IQ. Banks template. Financial Sources.