Tompkins Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	193.49	134.4	79.54	77.84	63.11	388.46
Investment Securities	802.45	845.82	964.25	1,171	1,383	742.03
Trading Asset Securities	5.52	2.7	3.11	-	-	-
Mortgage-Backed Securities	801.91	699.61	766.07	738.89	947.71	887.59
Total Investments	1,610	1,548	1,733	1,910	2,331	1,630
Gross Loans	6,293	6,025	5,611	5,274	5,082	5,268
Allowance for Loan Losses	-59.89	-56.5	-51.58	-45.93	-42.84	-51.67
Other Adjustments to Gross Loans	-4.65	-5.19	-4.99	-4.75	-6.82	-7.58
Net Loans	6,228	5,963	5,554	5,223	5,033	5,209
Property, Plant & Equipment	73.84	103.53	107.39	115.24	115.72	88.71
Goodwill	92.6	92.6	92.6	92.6	92.45	92.45
Other Intangible Assets	2.33	2.2	2.33	2.71	3.64	4.91
Accrued Interest Receivable	29.94	28.82	26.11	24.87	22.6	32.03
Other Real Estate Owned & Foreclosed	-	14.31	0.13	0.15	0.14	0.09
Other Long-Term Assets	238.39	179.5	190.24	207.09	147.79	160.97
Total Assets	8,469	8,109	7,820	7,671	7,820	7,622
Accrued Expenses	-	1.7	1.5	1.5	1.5	1.7
Interest Bearing Deposits	5,147	4,162	4,093	4,259	4,488	4,278
Institutional Deposits	-	465.77	389.8	192.7	167.9	229.7
Non-Interest Bearing Deposits	1,906	1,844	1,917	2,150	2,136	1,930
Total Deposits	7,053	6,472	6,400	6,602	6,791	6,438
Short-Term Borrowings	277.32	249.07	478.93	241.32	14	-
Current Portion of Long-Term Debt	98.4	398.2	-	-	-	-
Current Portion of Leases	-	3.59	-	-	-	-
Long-Term Debt	80.8	37.04	51	56.28	66.79	65.85
Federal Home Loan Bank Debt, Long-Term	74.97	145.05	125	50	110	265
Long-Term Leases	-	24.95	29.1	34.5	31.1	-
Trust Preferred Securities	-	-	-	-	-	13.22
Pension & Post-Retirement Benefits	-	29.78	32.56	32.59	44.09	56.07
Other Long-Term Liabilities	95.37	34.46	31.88	34.81	32.13	64.9
Total Liabilities	7,680	7,396	7,150	7,053	7,091	6,904
Common Stock	1.45	1.45	1.44	1.46	1.47	1.5
Additional Paid-In Capital	301.18	300.07	297.18	302.76	312.54	333.98
Retained Earnings	575.11	537.16	501.51	526.73	475.26	418.41
Treasury Stock	-5.17	-6.74	-6.61	-6.28	-5.79	-5.53
Comprehensive Income & Other	-83.77	-118.49	-125.01	-208.69	-55.95	-32.07
Total Common Equity	788.81	713.44	668.52	615.98	727.53	716.28
Minority Interest	-	-	1.41	1.41	1.41	1.41
Shareholders' Equity	788.81	713.44	669.93	617.39	728.94	717.69
Total Liabilities & Equity	8,469	8,109	7,820	7,671	7,820	7,622
Total Debt	531.49	857.89	684.02	382.1	221.89	344.07
Net Cash (Debt)	-332.47	-720.8	-601.37	-304.26	-158.78	44.4
Net Cash Per Share	-23.21	-50.52	-42.05	-21.12	-10.84	3.01
Filing Date Shares Outstanding	14.43	14.43	14.41	14.52	14.58	14.98
Total Common Shares Outstanding	14.36	14.34	14.31	14.43	14.57	14.84
Book Value Per Share	54.93	49.76	46.72	42.70	49.92	48.27
Tangible Book Value	693.88	618.64	573.59	520.67	631.44	618.93
Tangible Book Value Per Share	48.32	43.15	40.08	36.09	43.33	41.71

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