Greene County Bancorp, Inc. (GCBC)

Greene County Bancorp Income Statement

Financials in millions USD. Fiscal year is July - June.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Jun 30, 2024	Jun 30, 2023	Jun 30, 2022	Jun 30, 2021	Jun 30, 2020
Interest Income on Loans	75.28	71.54	60.05	47.13	45.28	39.16
Interest Income on Investments	35.3	32.12	24.58	16.32	13.05	14.16
Total Interest Income	110.59	103.66	84.63	63.44	58.33	53.31
Interest Paid on Deposits	55.09	49.71	20.06	3.48	4.22	8.24
Interest Paid on Borrowings	3.14	2.97	3.35	1.96	0.96	0.24
Total Interest Expense	58.23	52.69	23.41	5.44	5.18	8.48
Net Interest Income	52.36	50.98	61.22	58.01	53.15	44.83
Net Interest Income Growth (YoY)	-5.30%	-16.73%	5.54%	9.14%	18.54%	12.08%
Gain (Loss) on Sale of Investments	-	-	-0.25	-	-	-
Other Non-Interest Income	10.06	9.27	7.68	7.7	6.25	4.72
Total Non-Interest Income	14.74	13.91	12.15	12.14	9.67	8.65
Non-Interest Income Growth (YoY)	14.02%	14.51%	0.07%	25.55%	11.76%	3.46%
Revenues Before Loan Losses	67.1	64.89	73.36	70.14	62.81	53.48
Provision for Loan Losses	1.25	0.77	-1.07	3.28	3.97	3.91
Revenue	65.85	64.12	74.44	66.86	58.84	49.58
Revenue Growth (YoY)	-3.74%	-13.86%	11.32%	13.64%	18.68%	6.16%
Salaries and Employee Benefits	20.76	20.22	18.82	16.23	15.01	13.76
Federal Deposit Insurance	1.33	1.29	1.09	0.83	0.74	0.32
Selling, General & Administrative	12.56	12.7	15.68	13.58	12.66	11.13
Other Non-Interest Expense	3.42	3.1	3.03	3.33	2.82	2.62
Total Non-Interest Expense	38.07	37.3	38.61	33.96	31.22	27.82
EBT Excluding Unusual Items	27.78	26.82	35.83	32.91	27.62	21.76
Pretax Income	27.78	26.82	35.83	32.91	27.62	21.76
Income Tax Expense	1.44	2.05	5.04	4.92	3.67	3.03
Net Income	26.34	24.77	30.79	27.99	23.94	18.73
Net Income to Common	26.34	24.77	30.79	27.99	23.94	18.73
Net Income Growth	-1.43%	-19.54%	10.00%	16.89%	27.85%	7.11%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change (YoY)	-	-	-	-	-0.19%	-0.09%
EPS (Basic)	1.55	1.45	1.81	1.64	1.41	1.10
EPS (Diluted)	1.54	1.45	1.81	1.64	1.40	1.10
EPS Growth	-1.89%	-19.80%	10.25%	16.73%	27.99%	7.21%
Dividend Per Share	0.350	0.330	0.290	0.265	0.245	0.225
Dividend Growth	12.90%	13.79%	9.43%	8.16%	8.89%	9.76%
Effective Tax Rate	5.17%	7.64%	14.07%	14.95%	13.30%	13.92%

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