FRA:489 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	40.38	66.45	28.84	30.34	103.46
Investment Securities	189.43	26.53	29.31	35.56	39.62
Trading Asset Securities	-	5.88	5.89	6.34	1.69
Mortgage-Backed Securities	175.8	173.31	331.37	347.85	388.9
Total Investments	365.23	205.72	366.57	389.75	430.21
Gross Loans	2,184	2,070	2,027	1,992	1,865
Allowance for Loan Losses	-20.3	-19.53	-20.27	-19.93	-19.79
Other Adjustments to Gross Loans	-	-	-	-0.11	-0.78
Net Loans	2,163	2,051	2,007	1,971	1,845
Property, Plant & Equipment	-	31.8	33.78	34.18	34.95
Goodwill	12.49	12.49	12.49	12.49	12.49
Other Intangible Assets	1.06	1.44	1.81	2.19	2.56
Accrued Interest Receivable	-	8.47	8.53	8.14	7.78
Long-Term Deferred Tax Assets	-	14	13.64	15.03	12.09
Other Long-Term Assets	148.66	256.25	88.16	86.22	87.37
Total Assets	2,736	2,653	2,565	2,553	2,538
Interest Bearing Deposits	1,766	1,463	1,366	1,452	1,550
Institutional Deposits	-	234.38	198.59	131.74	65.86
Non-Interest Bearing Deposits	594.52	565.62	579.59	645.53	641.28
Total Deposits	2,361	2,263	2,144	2,229	2,257
Short-Term Borrowings	13.27	11.27	21.34	47.69	1.69
Current Portion of Long-Term Debt	-	25	30.65	0.53	1.48
Current Portion of Leases	-	1.47	-	-	-
Long-Term Debt	19.79	19.75	109.71	19.67	19.63
Federal Home Loan Bank Debt, Long-Term	73	73	-	0.65	1.18
Long-Term Leases	-	6.2	8.47	9.46	8.96
Other Long-Term Liabilities	21.88	17.84	13.25	17.56	24.9
Total Liabilities	2,489	2,417	2,327	2,325	2,315
Common Stock	247.64	0.21	0.22	0.22	0.23
Additional Paid-In Capital	-	119.33	125.45	128.9	132.82
Retained Earnings	-	142.75	136.99	127.98	107.38
Comprehensive Income & Other	-	-26.37	-25.25	-28.96	-16.74
Shareholders' Equity	247.64	235.91	237.41	228.14	223.69
Total Liabilities & Equity	2,736	2,653	2,565	2,553	2,538
Total Debt	106.06	136.7	170.17	78	32.94
Net Cash (Debt)	-65.68	-64.36	-135.44	-41.32	72.21
Net Cash Growth	-	-	-	-	269.40%
Net Cash Per Share	-3.23	-3.06	-6.27	-1.88	3.10
Filing Date Shares Outstanding	20.15	20.53	21.29	21.84	22.22
Total Common Shares Outstanding	20.15	20.66	21.38	21.85	22.21
Book Value Per Share	12.29	11.42	11.11	10.44	10.07
Tangible Book Value	234.09	221.99	223.11	213.47	208.64
Tangible Book Value Per Share	11.62	10.75	10.44	9.77	9.39

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