Golden State Bancorp (GSBX)

Golden State Bancorp Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	53.36	47.83	36.8	28.35	22.12	16.84
Interest Income on Investments	7.4	7.4	6.7	2.34	0.28	0.5
Total Interest Income	60.77	55.23	43.5	30.69	22.39	17.34
Interest Paid on Deposits	25.86	24.45	15.28	4.8	3.84	4.99
Interest Paid on Borrowings	1.51	1.51	1.42	0.94	1.07	0.74
Total Interest Expense	27.38	25.96	16.7	5.74	4.92	5.73
Net Interest Income	33.39	29.27	26.8	24.95	17.48	11.6
Net Interest Income Growth (YoY)	19.23%	9.22%	7.42%	42.75%	50.61%	-7.42%
Other Non-Interest Income	-0.03	0.01	0.01	0.25	0.24	0.08
Total Non-Interest Income	0.3	0.33	0.22	0.26	0.24	0.08
Non-Interest Income Growth (YoY)	-15.42%	53.50%	-17.14%	9.21%	218.67%	-77.49%
Revenues Before Loan Losses	33.69	29.61	27.02	25.21	17.72	11.68
Provision for Loan Losses	2.55	2.84	1.01	2.04	1.6	0.91
Revenue	31.15	26.77	26	23.17	16.12	10.77
Revenue Growth (YoY)	16.35%	2.94%	12.21%	43.72%	49.76%	-13.29%
Salaries and Employee Benefits	10.08	10.08	8.91	7.13	6.26	6.05
Occupancy Expenses	0.58	0.58	0.53	0.36	0.3	0.25
Selling, General & Administrative	0.54	0.54	0.45	0.74	0.51	0.57
Other Non-Interest Expense	8.38	5.57	5.31	4.07	3.97	4.63
Total Non-Interest Expense	19.58	16.77	15.21	12.3	11.05	11.5
EBT Excluding Unusual Items	11.57	10	10.8	10.87	5.07	-0.74
Pretax Income	11.88	10.31	10.8	10.87	5.07	-0.74
Income Tax Expense	2.77	2.19	3.17	3.19	1.52	-0.16
Net Income	9.11	8.12	7.62	7.69	3.55	-0.57
Net Income to Common	9.11	8.12	7.62	7.69	3.55	-0.57
Net Income Growth	17.67%	6.52%	-0.82%	116.32%	-	-
Basic Shares Outstanding	3	3	3	2	2	2
Diluted Shares Outstanding	3	3	3	2	2	2
Shares Change (YoY)	3.31%	1.92%	8.46%	24.50%	7.94%	-1.30%
EPS (Basic)	3.26	3.02	2.96	3.22	1.90	-0.31
EPS (Diluted)	3.26	2.98	2.85	3.11	1.79	-0.31
EPS Growth	13.90%	4.56%	-8.36%	73.74%	-	-
Effective Tax Rate	23.29%	21.22%	29.40%	29.33%	29.99%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.