FRA:45D Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	39.49	29.9	32.71	26.18	10.11
Investment Securities	427.3	104.94	132.16	93.72	86.18
Trading Asset Securities	36.52	65.76	55.6	68.58	26.34
Mortgage-Backed Securities	-	302.26	224.08	160.23	154.41
Total Investments	463.81	472.97	411.83	322.53	266.93
Gross Loans	3,375	3,115	2,852	2,445	2,242
Allowance for Loan Losses	-35.88	-35.79	-31.28	-24.23	-24.34
Other Adjustments to Gross Loans	-1.99	-1.87	-1.36	-1.45	-2.99
Net Loans	3,337	3,077	2,819	2,419	2,215
Property, Plant & Equipment	9.99	10.93	12.75	12.03	6.6
Goodwill	-	10.7	10.7	10.7	10.7
Other Intangible Assets	11.99	1.21	1.32	1.46	-
Loans Held for Sale	18.85	13.5	4.59	2.63	3.57
Accrued Interest Receivable	107.47	12.88	13.28	9.4	5.5
Restricted Cash	-	127.8	106.8	76.5	47
Other Current Assets	-	4.22	4.27	3.82	2.69
Long-Term Deferred Tax Assets	-	12.6	9.51	11.71	6.18
Other Real Estate Owned & Foreclosed	-	0.05	0.25	0.1	0.16
Other Long-Term Assets	83.99	67.5	68.82	62.9	65.06
Total Assets	4,082	3,853	3,508	2,977	2,653
Interest Bearing Deposits	3,002	2,604	2,231	1,549	1,360
Institutional Deposits	-	67.3	120.2	81.6	7.9
Non-Interest Bearing Deposits	378.77	436.11	445.38	537.11	589.56
Total Deposits	3,380	3,107	2,797	2,168	1,958
Short-Term Borrowings	36.93	57.07	51.95	61.42	28.78
Current Portion of Leases	-	1.49	-	-	-
Accrued Interest Payable	33.55	10.18	10.86	4.05	1.01
Long-Term Debt	54.85	54.7	49.42	40.43	34.15
Federal Home Loan Bank Debt, Long-Term	197.2	265.35	281.5	416.38	368.8
Long-Term Leases	7.36	6.44	8.95	10.18	5.41
Trust Preferred Securities	-	-	-	-	10.08
Pension & Post-Retirement Benefits	-	-	-	2.3	1.9
Other Long-Term Liabilities	-	22.27	18.8	13.01	12.44
Total Liabilities	3,710	3,525	3,218	2,716	2,420
Preferred Stock, Redeemable	-	11.99	11.99	11.99	-
Common Stock	371.59	0.1	0.1	0.09	0.09
Additional Paid-In Capital	-	93.55	90.62	87.51	85.8
Retained Earnings	-	265.78	230.73	203.51	170.02
Treasury Stock	-	-31.4	-30.13	-27.16	-22.03
Comprehensive Income & Other	-	-11.43	-13.72	-15.31	-1.46
Total Common Equity	371.59	316.6	277.6	248.65	232.42
Shareholders' Equity	371.59	328.59	289.59	260.64	232.42
Total Liabilities & Equity	4,082	3,853	3,508	2,977	2,653
Total Debt	296.34	385.04	391.82	528.4	447.22
Net Cash (Debt)	-220.34	-289.38	-303.51	-433.64	-410.76
Net Cash Per Share	-27.01	-35.51	-37.33	-52.71	-49.40
Filing Date Shares Outstanding	8.33	8.3	8.31	8.35	8.46
Total Common Shares Outstanding	8.33	8.29	8.31	8.36	8.46
Book Value Per Share	44.63	38.17	33.39	29.74	27.48
Tangible Book Value	359.6	304.69	265.57	236.49	221.72
Tangible Book Value Per Share	43.19	36.74	31.94	28.28	26.22

Source: S&P Global Market Intelligence. Banks template. Financial Sources.