Golden State Bancorp (GSBX)

Golden State Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	62.65	47.83	36.8	28.35	22.12
Interest Income on Investments	-	7.4	6.7	2.34	0.28
Total Interest Income	62.65	55.23	43.5	30.69	22.39
Interest Paid on Deposits	27.68	24.45	15.28	4.8	3.84
Interest Paid on Borrowings	-	1.51	1.42	0.94	1.07
Total Interest Expense	27.68	25.96	16.7	5.74	4.92
Net Interest Income	34.97	29.27	26.8	24.95	17.48
Net Interest Income Growth (YoY)	19.48%	9.22%	7.42%	42.75%	50.61%
Other Non-Interest Income	0.32	0.01	0.01	0.25	0.24
Total Non-Interest Income	0.32	0.33	0.22	0.26	0.24
Non-Interest Income Growth (YoY)	-4.97%	53.50%	-17.14%	9.21%	218.67%
Revenues Before Loan Losses	35.29	29.61	27.02	25.21	17.72
Provision for Loan Losses	1.22	2.84	1.01	2.04	1.6
Revenue	34.07	26.77	26	23.17	16.12
Revenue Growth (YoY)	27.27%	2.94%	12.21%	43.72%	49.76%
Salaries and Employee Benefits	-	10.08	8.91	7.13	6.26
Occupancy Expenses	-	0.58	0.53	0.36	0.3
Selling, General & Administrative	-	0.54	0.45	0.74	0.51
Other Non-Interest Expense	20.81	5.57	5.31	4.07	3.97
Total Non-Interest Expense	20.81	16.77	15.21	12.3	11.05
EBT Excluding Unusual Items	13.26	10	10.8	10.87	5.07
Pretax Income	13.26	10.31	10.8	10.87	5.07
Income Tax Expense	3.93	2.19	3.17	3.19	1.52
Net Income	9.33	8.12	7.62	7.69	3.55
Net Income to Common	9.33	8.12	7.62	7.69	3.55
Net Income Growth	14.90%	6.52%	-0.82%	116.32%	-
Basic Shares Outstanding	3	3	3	2	2
Diluted Shares Outstanding	3	3	3	2	2
Shares Change (YoY)	2.44%	1.92%	8.46%	24.50%	7.94%
EPS (Basic)	3.34	3.02	2.96	3.22	1.90
EPS (Diluted)	3.34	2.98	2.85	3.11	1.79
EPS Growth	12.00%	4.56%	-8.36%	73.74%	-
Effective Tax Rate	29.66%	21.22%	29.40%	29.33%	29.99%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.