Greene county bancorp inc (GCBC)
Balance Sheet / Quarterly
Mar'20Dec'19Sep'19Jun'19Mar'19Dec'18Sep'18Jun'18Mar'18Dec'17Sep'17Jun'17Mar'17Dec'16Sep'16Jun'16Mar'16Dec'15Sep'15Jun'15Mar'15Dec'14Sep'14Jun'14Mar'14Dec'13Sep'13Jun'13Mar'13Dec'12Sep'12Jun'12Mar'12Dec'11Sep'11Jun'11
ASSETS
Cash and due from banks

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

38,078

9,709

22,579

7,519

30,576

19,013

24,287

9,245

Federal funds sold

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

350

721

340

223

300

1,042

890

721

Total cash and cash equivalents

77,814

34,542

110,852

29,538

88,422

31,945

35,132

26,504

74,604

27,714

46,419

16,277

35,587

15,575

19,986

15,895

39,136

22,088

12,117

15,538

24,823

14,869

19,735

13,809

55,599

11,676

14,831

6,222

38,428

10,430

22,919

7,742

30,876

20,055

25,177

9,966

Long term certificates of deposit

4,071

3,626

3,626

2,875

2,875

2,385

2,385

2,385

2,385

1,895

2,145

2,145

2,145

2,145

2,145

2,210

2,210

1,230

1,230

1,230

1,230

250

250

250

250

250

250

250

250

250

-

-

-

-

-

-

Securities available-for-sale

209,122

192,999

159,263

122,728

104,008

107,192

119,600

120,806

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Securities available-for-sale, at fair value

-

-

-

-

-

-

-

-

117,627

102,969

100,809

91,483

77,041

85,710

91,205

100,123

103,246

93,582

95,757

86,034

72,207

69,071

65,315

56,151

51,280

52,301

66,118

69,644

76,840

77,987

81,824

87,528

74,205

77,235

80,673

90,117

Securities held-to-maturity, at amortized cost (fair value $399,256 at March 31, 2020; $313,613 at June 30, 2019)

382,532

331,989

304,582

304,208

291,456

276,939

280,774

274,550

277,432

239,140

225,694

223,830

214,300

210,983

207,601

204,935

191,576

177,554

174,560

169,000

177,973

181,065

184,235

181,946

177,089

178,658

173,848

176,519

162,207

167,449

138,970

146,389

139,444

128,748

122,085

124,177

Equity securities

238

265

251

253

237

215

232

217

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Federal Home Loan Bank stock, at cost

1,196

3,554

1,399

1,759

1,298

3,873

4,147

1,545

1,485

2,488

1,575

2,131

1,683

3,730

2,220

2,752

1,531

2,782

1,832

2,494

1,354

3,230

1,444

1,561

1,383

2,540

1,113

1,388

979

1,713

1,114

1,744

1,138

1,273

1,273

1,916

Total loans

897,961

864,186

818,176

798,105

775,352

-

-

715,641

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Loans

-

-

-

-

-

762,233

736,076

-

689,370

674,435

648,693

634,331

616,492

600,882

557,821

531,290

501,182

485,928

468,019

450,755

442,223

429,628

413,543

405,841

399,007

393,438

380,430

365,839

356,425

353,712

342,023

332,450

317,675

317,041

312,024

305,620

Allowance for loan losses

15,205

13,984

13,444

13,200

12,846

12,673

12,308

12,024

11,622

11,352

11,098

11,022

10,721

10,421

9,976

9,485

8,988

8,611

8,466

8,142

7,824

7,796

7,720

7,419

7,341

7,171

7,028

7,040

6,922

6,764

6,536

6,177

5,967

5,617

5,453

5,069

Unearned origination fees and costs, net

979

863

807

833

779

810

758

814

747

790

851

878

880

866

1,044

959

937

887

905

883

911

884

871

887

814

816

736

627

592

599

525

478

414

-

-

495

Unearned origination fees and costs, net

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-410

-399

-

Net loans receivable

883,735

851,065

805,539

785,738

763,285

750,370

724,526

704,431

678,495

663,873

638,446

624,187

606,651

591,327

548,889

522,764

493,131

478,204

460,458

443,496

435,310

422,716

406,694

399,309

392,480

387,083

374,138

359,426

350,095

347,547

336,012

326,751

312,122

311,834

306,970

301,046

Premises and equipment, net

13,366

13,273

13,336

13,255

13,193

13,308

13,267

13,304

13,361

13,499

13,559

13,615

13,773

13,928

14,058

14,176

14,225

14,340

14,476

14,515

14,423

14,355

14,357

14,307

14,246

14,354

14,245

14,349

14,503

14,605

14,750

14,899

15,035

15,044

15,244

15,407

Accrued interest receivable

7,506

6,810

5,970

5,853

6,125

5,765

5,437

5,057

5,079

4,610

4,374

4,033

4,043

3,790

3,701

3,610

3,649

3,258

3,185

3,026

3,204

2,937

2,918

2,710

2,967

2,754

2,870

2,663

2,875

2,747

2,836

2,688

2,802

2,714

2,740

2,716

Foreclosed real estate

0

303

303

53

54

79

79

119

208

905

752

799

208

338

284

370

370

304

836

847

1,003

581

336

473

716

600

196

296

435

140

200

260

410

361

243

443

Prepaid expenses and other assets

4,892

5,525

4,599

3,202

2,835

3,215

2,294

2,560

3,112

3,717

3,874

3,791

3,060

4,455

3,026

1,946

2,311

3,464

3,294

2,467

2,504

3,348

3,752

3,645

4,463

2,478

2,857

2,848

3,565

1,680

2,307

2,655

2,648

2,319

1,980

1,737

Total assets

1,584,472

1,443,951

1,409,720

1,269,462

1,273,788

1,195,286

1,187,873

1,151,478

1,173,788

1,060,810

1,037,647

982,291

958,491

931,981

893,115

868,781

851,385

796,806

767,745

738,647

734,031

712,422

699,036

674,161

700,473

652,694

650,466

633,605

650,177

624,548

600,932

590,656

578,680

559,583

556,385

547,525

LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest-bearing deposits

106,844

110,100

115,474

107,469

99,824

101,387

109,358

102,694

100,729

99,388

103,819

95,929

91,251

88,957

95,008

88,254

84,688

77,784

79,111

73,678

68,891

66,348

70,236

67,446

62,124

59,198

58,846

57,926

52,688

54,298

48,993

52,783

49,807

53,766

50,740

49,313

Interest-bearing deposits

1,322,688

1,134,558

1,147,736

1,013,100

1,039,954

907,833

893,103

922,540

951,518

821,363

813,750

763,606

753,938

686,108

677,587

650,633

665,621

591,405

585,197

549,039

575,950

516,833

541,072

522,128

559,114

490,237

521,636

500,513

534,030

491,392

487,150

459,154

464,790

440,203

441,254

420,584

Total deposits

1,429,532

1,244,658

1,263,210

1,120,569

1,139,778

1,009,220

1,002,461

1,025,234

1,052,247

920,751

917,569

859,535

845,189

775,065

772,595

738,887

750,309

669,189

664,308

622,717

644,841

583,181

611,308

589,574

621,238

549,435

580,482

558,439

586,718

545,690

536,143

511,937

514,597

493,969

491,994

469,897

Amount of short-term or overnight borrowings as of the balance sheet date from the Federal Home Loan Bank, which are primarily used to cover shortages in the required reserve balance and liquidity shortages.

0

48,900

0

8,000

-

54,700

58,800

0

0

20,300

0

6,900

-

-

-

26,100

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Borrowings from other banks, short-term

-

-

-

-

-

200

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Borrowings from Federal Home Loan Bank, short-term

-

-

-

-

-

-

-

-

-

-

-

-

0

45,700

14,300

-

-

-

-

22,900

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Borrowings from other banks, short-term

4,000

-

-

0

-

-

-

-

-

-

700

-

500

100

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Borrowings from Federal Home Loan Bank, long-term

-

-

-

-

12,650

15,150

17,150

-

18,150

20,150

20,150

22,650

22,650

22,450

20,300

20,300

-

-

-

18,800

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Borrowings from Federal Home Loan Bank, short-term

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

27,800

8,200

-

-

-

-

3,150

-

-

-

-

-

-

-

-

-

-

-

-

Borrowings from Federal Home Loan Bank, short-term

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

43,500

4,800

-

-

-

-

10,600

-

-

-

-

-

-

-

-

Borrowings from Federal Home Loan Bank, short-term

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0

31,700

3,500

-

-

14,300

0

14,000

-

-

0

14,300

Borrowings from Federal Home Loan Bank, long-term

9,100

12,600

13,600

13,600

-

-

-

18,150

-

-

-

-

-

-

-

-

20,300

20,300

18,800

-

17,300

15,500

14,500

14,500

14,500

8,500

5,000

4,000

4,000

6,000

7,000

7,000

9,000

12,000

12,000

12,000

Accrued expenses and other liabilities

17,847

17,247

16,381

14,924

13,095

11,895

9,821

11,903

10,724

10,036

12,373

9,685

9,204

10,287

9,506

9,193

7,791

8,767

7,656

7,310

-

-

-

5,737

-

-

-

-

-

-

-

-

-

-

-

-

Accrued expenses and other liabilities

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

6,037

5,777

5,629

-

4,939

4,651

4,472

4,458

3,624

3,931

3,920

5,055

3,315

2,993

2,882

3,247

Total liabilities

1,460,479

1,323,405

1,293,191

1,157,093

1,165,523

1,091,165

1,088,232

1,055,287

1,081,121

971,237

950,792

898,770

877,543

853,602

816,701

794,480

778,400

726,056

698,964

671,727

668,178

647,958

636,237

612,961

640,677

594,286

593,454

577,497

594,342

569,921

547,063

537,992

526,912

508,962

506,876

499,444

SHAREHOLDERS' EQUITY
Preferred stock, Authorized - 1,000,000 shares; Issued - None

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

-

0

0

-

0

0

0

0

Common stock, par value $.10 per share; Authorized - 12,000,000 shares; Issued - 8,611,340; Outstanding - 8,513,414 shares at March 31, 2020, and 8,537,814 at June 30, 2019

861

861

861

861

861

861

861

861

861

861

861

861

861

861

861

861

861

431

431

431

431

431

431

431

431

431

431

431

431

431

431

431

431

431

431

431

Additional paid-in capital

11,017

11,017

11,017

11,017

11,017

11,017

11,017

11,017

11,050

11,000

10,992

10,990

10,990

10,990

10,943

10,872

10,870

11,259

11,230

11,220

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Additional paid-in capital

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

11,267

11,239

11,229

11,208

11,208

11,182

11,158

11,168

11,163

11,134

11,129

11,119

11,118

11,042

11,020

11,001

Retained earnings

113,993

110,374

106,205

101,774

98,003

94,040

89,853

86,213

82,975

79,421

76,165

73,072

71,023

68,496

65,943

63,805

62,256

60,451

58,491

56,696

55,222

54,198

52,736

51,305

50,086

48,923

47,534

46,112

45,041

43,833

42,901

41,869

40,853

39,695

38,523

37,336

Accumulated other comprehensive loss

-970

-1,391

-1,277

-1,006

-1,339

-1,520

-1,813

-1,623

-1,899

-1,314

-757

-992

-1,516

-1,558

-866

-725

-485

-812

-758

-798

-438

-749

-927

-1,050

-1,235

-1,395

-1,313

-750

60

134

321

173

413

626

741

519

Treasury stock, at cost 97,926 shares at March 31, 2020, and 73,526 shares at June 30, 2019

908

315

277

277

277

277

277

277

320

395

406

410

410

410

467

512

517

579

613

629

629

655

670

694

694

733

798

853

860

905

913

928

1,047

1,173

1,206

1,206

Balance

123,993

120,546

116,529

112,369

108,265

104,121

99,641

96,191

92,667

89,573

86,855

83,521

80,948

78,379

76,414

74,301

72,985

70,750

68,781

66,920

65,853

64,464

62,799

61,200

59,796

58,408

57,012

56,108

55,835

54,627

53,869

52,664

51,768

50,621

49,509

48,081

Total liabilities and shareholders' equity

1,584,472

1,443,951

1,409,720

1,269,462

1,273,788

1,195,286

1,187,873

1,151,478

1,173,788

1,060,810

1,037,647

982,291

958,491

931,981

893,115

868,781

851,385

796,806

767,745

738,647

734,031

712,422

699,036

674,161

700,473

652,694

650,466

633,605

650,177

624,548

600,932

590,656

578,680

559,583

556,385

547,525