FRA:45V 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	187.82	391.37	187.67	190.08	146.8
Investment Securities	883.52	288.97	282.99	281.9	374.46
Trading Asset Securities	-	29.24	30.64	47.55	32.33
Mortgage-Backed Securities	-	610.25	388.55	388.03	545.65
Total Investments	883.52	928.46	702.18	717.48	952.44
Gross Loans	6,259	5,512	5,429	5,285	4,807
Allowance for Loan Losses	-71.04	-72.99	-65.89	-60.83	-61.7
Net Loans	6,188	5,439	5,363	5,224	4,745
Property, Plant & Equipment	79.89	70.16	38.35	39.54	36.4
Goodwill	-	36.21	36.21	36.21	36.21
Other Intangible Assets	43.84	8.71	9.8	11.12	12.69
Loans Held for Sale	-	8.59	6.8	15.63	37.09
Accrued Interest Receivable	31.97	30.75	32.05	26.25	26.43
Long-Term Deferred Tax Assets	-	16.38	0.51	-	-
Other Real Estate Owned & Foreclosed	-	-	-	0.12	-
Other Long-Term Assets	97.17	68.89	68.82	62.09	71.95
Total Assets	7,526	7,011	6,477	6,354	6,078
Accrued Expenses	-	75.61	40.47	30.84	39.45
Interest Bearing Deposits	5,160	4,879	4,211	3,868	4,169
Institutional Deposits	-	137.3	105.9	91.1	140.4
Non-Interest Bearing Deposits	1,429	1,113	957.69	1,246	956.48
Total Deposits	6,589	6,129	5,274	5,205	5,266
Short-Term Borrowings	73.27	21.43	427.64	417.8	38.05
Current Portion of Leases	-	6.37	-	-	-
Accrued Interest Payable	-	0.85	1.37	-	-
Long-Term Debt	99.03	133.56	133.27	132.99	132.7
Long-Term Leases	44.48	38.54	16.31	18.4	15.93
Long-Term Deferred Tax Liabilities	-	-	-	15.43	39.32
Other Long-Term Liabilities	62.45	-	-	-	-
Total Liabilities	6,868	6,405	5,893	5,821	5,532
Common Stock	658.21	17.95	17.83	17.51	17.22
Additional Paid-In Capital	-	348.26	346.95	338.71	332.36
Retained Earnings	-	423.55	394.09	348.8	274.29
Treasury Stock	-	-117.51	-110.32	-97.83	-65.1
Comprehensive Income & Other	-	-66.41	-64.88	-74.21	-12.37
Shareholders' Equity	658.21	605.85	583.68	532.98	546.39
Total Liabilities & Equity	7,526	7,011	6,477	6,354	6,078
Total Debt	216.78	199.9	577.22	569.18	186.68
Net Cash (Debt)	-28.96	220.7	-358.91	-331.55	-7.55
Net Cash Per Share	-1.63	12.37	-19.89	-17.86	-0.39
Filing Date Shares Outstanding	17.42	17.46	17.58	17.59	17.33
Total Common Shares Outstanding	17.42	17.45	17.56	17.58	17.47
Book Value Per Share	37.78	34.72	33.23	30.32	31.28
Tangible Book Value	614.37	560.92	537.67	485.65	497.49
Tangible Book Value Per Share	35.26	32.14	30.61	27.63	28.48

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