GREENE COUNTY BANCORP INC (GCBC) [Rocket]

In millions, except per share items	Mar-31-23	Sep-30-22	Jun-30-22	Mar-31-22	Dec-31-21	Sep-30-21	Jun-30-21	Mar-31-21
	10-Q	10-Q	10-K	10-Q	10-Q	10-Q	10-K	10-Q
Interest income:
Interest income on loans	15.7	13.4	11.8	11.2	12.0	12.1	11.8	11.6
Interest income on investments	4.6	3.7	3.4	2.8	2.6	2.4	2.3	2.2
	21.9	18.6	16.7	15.3	15.8	15.6	15.3	14.8
Interest on deposits	5.6	2.0	1.0	0.7	0.8	0.8	0.8	1.0
Total interest expense	6.7	2.8	1.6	1.2	1.4	1.2	1.1	1.2
Net interest income	15.2	15.8	15.1	14.1	14.5	14.4	14.2	13.6
Net interest income after provision for loan losses	15.2	15.8	15.1	14.1	14.5	14.4	14.2	13.6
Deposit and loan fees	1.1	1.2	1.2	1.1	1.2	1.1	0.9	0.8
Other non-interest income	1.9	1.9	1.9	1.9	2.1	1.9	2.0	1.5
Total non-interest income	3.1	3.1	3.1	2.9	3.2	2.9	2.8	2.4
Non-interest expenses	9.9	8.8	9.3	8.3	8.3	8.0	8.2	8.4
Pre-tax income	9.4	10.6	7.9	8.5	8.1	8.4	8.8	6.1
Income taxes	1.3	1.6	1.1	1.3	1.2	1.3	1.2	0.9
Tax rate	13.7%	15.0%	14.2%	15.6%	14.8%	15.1%	13.1%	14.2%
Net income	8.1	9.0	6.8	7.2	6.9	7.1	7.6	5.3
Net margin	44.2%	47.7%	37.5%	42.3%	38.9%	41.1%	44.8%	33.0%

Basic EPS	$0.48	$1.06	$0.80	$0.42	$0.81	$0.84	$0.89	$0.62
Diluted EPS	$0.48	$1.06	$0.80	$0.42	$0.81	$0.84	$0.89	$0.62

Shares outstanding (basic)	17.0	8.5	8.5	17.0	8.5	8.5	8.5	8.5
Shares outstanding (diluted)	17.0	8.5	8.5	17.0	8.5	8.5	8.5	8.5

EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.