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Income Statement
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Generations Bancorp NY, Inc.

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
  Older >>
In millions, except per share itemsJun-30-23Mar-31-23Jun-30-22Mar-31-22Dec-31-21Sep-30-21Jun-30-21Mar-31-21
   10-Q10-Q10-Q10-Q10-K10-Q10-Q10-Q
    Interest income:  
        Interest income on loans  3.53.32.93.03.13.23.13.1
        Interest income on investments  0.30.30.30.30.30.30.20.2
       3.93.83.23.23.43.53.43.3
    Interest expense:  
        Interest on deposits  1.41.10.30.30.30.30.30.3
       1.61.20.30.40.40.40.40.5
Net interest income  2.22.52.82.93.03.12.92.8
Provision for loan losses  0.20.20.20.20.10.10.10.1
Net interest income after provision for loan losses  2.12.42.72.72.93.02.82.7
        Deposit and loan fees  0.40.50.50.50.50.50.50.5
        Gain on sale of investments, net      0.00.00.0 
        Other non-interest income  0.40.70.70.80.90.91.00.9
Total non-interest income  0.81.31.31.31.41.51.51.4
Non-interest expenses  3.13.12.82.93.03.53.12.9
Pre-tax income before non-recurring items  0.1-0.20.40.50.60.50.40.4
Non-recurring items  0.3       
Asset impairment       0.3  
Pre-tax income  -0.2-0.20.40.50.60.20.40.4
Income taxes  0.00.00.10.10.10.00.10.1
            Tax rate  21.7%20.8%16.3%15.9%15.1%16.0%17.6%18.3%
Net income  -0.2-0.20.30.40.50.20.40.4
            Net margin  -5.8%-4.2%8.8%9.7%12.2%3.9%8.6%8.7%
   
Basic EPS  ($0.07)($0.07)$0.15$0.17$0.22$0.07$0.16$0.15
Diluted EPS  ($0.07)($0.07)$0.15$0.17$0.22$0.07$0.16$0.15
   
Shares outstanding (basic)  2.22.22.32.42.42.32.32.4
Shares outstanding (diluted)  2.22.22.32.42.42.32.32.4
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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