FRA:8N4 Balance Sheet

Financials in millions USD. Fiscal year is October - September.

Millions USD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022	Sep '21 Sep 30, 2021
Cash & Equivalents	31.85	52.14	30.85	41.67	33.43
Investment Securities	214.18	221.47	192.25	276.96	188.07
Trading Asset Securities	-	-	0.92	1.03	3.63
Mortgage-Backed Securities	51.02	41.49	37.44	42.84	22.78
Total Investments	265.21	262.96	230.61	320.82	214.48
Gross Loans	1,907	1,985	1,787	1,490	1,091
Allowance for Loan Losses	-20.29	-21.29	-16.9	-15.36	-14.3
Other Adjustments to Gross Loans	-	-	-	-	-0.9
Net Loans	1,887	1,964	1,770	1,475	1,076
Property, Plant & Equipment	29.1	30.36	32.06	31.5	33.47
Goodwill	9.85	9.85	9.85	9.85	9.85
Other Intangible Assets	0.23	0.4	0.56	0.78	0.99
Loans Held for Sale	51.45	25.72	45.86	60.46	214.94
Accrued Interest Receivable	11.38	11.38	10.16	8.33	6.24
Long-Term Deferred Tax Assets	8.85	7.43	-	-	-
Other Real Estate Owned & Foreclosed	1.09	0.65	0.68	0.2	1.73
Other Long-Term Assets	80.11	85.63	157.99	145.58	130.33
Total Assets	2,400	2,450	2,289	2,094	1,721
Accrued Expenses	11.17	20.2	29.16	22.85	34.37
Interest Bearing Deposits	805.22	1,124	976.06	1,143	906.74
Institutional Deposits	717.1	565.7	463.5	32.6	29.8
Non-Interest Bearing Deposits	187.56	191.53	242.24	340.17	291.04
Total Deposits	1,710	1,881	1,682	1,516	1,228
Short-Term Borrowings	-	6.64	8.38	12.73	0.64
Current Portion of Long-Term Debt	255	60	40	130	10
Current Portion of Leases	0.25	-	-	-	-
Accrued Interest Payable	5.05	13.38	8.93	1.3	0.26
Other Current Liabilities	1.13	-	-	-	-
Long-Term Debt	28.76	48.6	48.44	88.21	19.87
Federal Home Loan Bank Debt, Long-Term	180	235	315	165	240
Long-Term Leases	3.71	4.1	4.4	4.6	5.9
Other Long-Term Liabilities	11.1	4.44	1.77	1.64	2.41
Total Liabilities	2,206	2,273	2,138	1,942	1,541
Common Stock	0.08	0.08	0.08	0.08	0.08
Additional Paid-In Capital	30.37	27.65	26.99	26.77	25.72
Retained Earnings	192.11	173.34	166.31	161.93	150.19
Treasury Stock	-12.17	-11.85	-11.79	-9.16	-4.37
Comprehensive Income & Other	-16.92	-12.1	-30.6	-28.05	8.76
Total Common Equity	193.48	177.12	150.98	151.57	180.38
Shareholders' Equity	193.48	177.12	150.98	151.57	180.38
Total Liabilities & Equity	2,400	2,450	2,289	2,094	1,721
Total Debt	467.72	354.34	416.22	400.54	276.4
Net Cash (Debt)	-435.63	-301.71	-383.97	-356.23	-237.12
Net Cash Per Share	-62.44	-44.00	-55.81	-49.88	-33.05
Filing Date Shares Outstanding	6.91	6.84	6.83	6.94	7.15
Total Common Shares Outstanding	6.88	6.83	6.81	6.92	7.11
Book Value Per Share	28.14	25.93	22.16	21.90	25.38
Tangible Book Value	183.4	166.87	140.57	140.94	169.54
Tangible Book Value Per Share	26.67	24.43	20.64	20.37	23.85

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