Greene County Bancorp, Inc. (GCBC) 2023年年度报告「NASDAQ」.pdf

1、GREENE COUNTY BANCORP,INC.2023 A NNUAL RE PORTREALCOMMUNITY BANKINGGreene County Bancorp,Inc.(GCBC)is the parent company of the Bank of Greene County and its subsidiary,Greene County Commercial Bank.GCBCs consolidated assets as of June 30,2023,were$2.7 billion.The Bank of Greene County was founded i

2、n 1889 as The Building and Loan Association of Catskill.In 1974,the bank changed to a New York State-chartered mutual savings bank,under the name Greene County Savings Bank.In 1998,the bank converted to the mutual holding company form of ownership,changing its name to The Bank of Greene County.A com

3、mercial bank subsidiary,Greene County Commercial Bank,was formed in June 2004.The bank primarily serves Greene,Albany,Columbia,Rensselaer and Ulster counties in New York State through administrative,lending,customer service and operations centers in Catskill,and 18 branches in Albany,Catskill(Main S

4、treet and Catskill Commons),Cairo,Chatham,Copake,Coxsackie,East Greenbush,Germantown,Greenport,Greenville,Hudson,Kinderhook-Valatie,Kingston,Ravena-Coeymans,Tannersville,Westerlo and Woodstock.As part of its mission,the bank strives to foster a sense of community through personal service,local decis

5、ion-making and participation with customers in community activities.Total assets$2,698,283$2,571,740$2,200,335$1,676,803$1,269,462 Loans receivable,net 1,387,654 1,229,355 1,085,947 993,522 785,738Securities available-for-sale 281,133 408,062 390,890 226,709 122,728Securities held-to-maturity 726,36

6、3 761,852 496,914 383,657 304,208 Equity securities 306 273 307 267 253Deposits 2,437,161 2,212,604 2,005,108 1,501,075 1,120,569Shareholders equity 183,283 157,714 149,584 128,805 112,369Net interest income 61,218 58,005 53,145 44,833 40,000Provision for loan losses(1,071)3,278 3,974 3,905 1,659Tot