FRA:JY4 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	81.18	78.26	68.67	95.31	152.27
Investment Securities	44.99	36.71	27.87	37.7	30.06
Mortgage-Backed Securities	-	-	6.19	6.84	7.86
Total Investments	44.99	36.71	34.06	44.54	37.92
Gross Loans	1,860	1,813	1,587	1,218	973.34
Allowance for Loan Losses	-4.73	-4.83	-5.09	-5.47	-5.24
Other Adjustments to Gross Loans	-	-0.05	-	-	-
Net Loans	1,856	1,808	1,582	1,212	968.09
Property, Plant & Equipment	30.38	29.15	30.37	28.73	26.83
Goodwill	-	-	-	0.2	0.65
Investments in Real Estate	1.33	1.37	1.41	1.44	1.48
Accrued Interest Receivable	12.23	13.48	12.31	8.6	4.28
Long-Term Deferred Tax Assets	-	-	3.86	3.39	2.16
Other Real Estate Owned & Foreclosed	-	5.12	1.46	1.46	2
Other Long-Term Assets	37.81	37.72	29.33	27.92	27.88
Total Assets	2,064	2,010	1,764	1,425	1,225
Accounts Payable	17.33	14.53	6.59	8.93	7.68
Accrued Expenses	-	-	5.93	5.83	5.87
Interest Bearing Deposits	1,345	1,383	921.74	539.81	461.58
Institutional Deposits	-	-	178.11	205.85	134.73
Non-Interest Bearing Deposits	271.92	287.14	300.18	376.3	330.85
Total Deposits	1,617	1,670	1,400	1,122	927.16
Short-Term Borrowings	-	-	50	-	-
Current Portion of Long-Term Debt	-	-	7	7	7
Long-Term Debt	70	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	-	-	7	14	21
Long-Term Leases	5.23	4.72	5.2	2.9	3.1
Other Long-Term Liabilities	2.35	1.62	3.06	2.37	1.88
Total Liabilities	1,712	1,691	1,485	1,163	973.69
Common Stock	0.14	0.14	0.14	0.16	0.16
Additional Paid-In Capital	111.58	110.09	109.92	136.43	145.34
Retained Earnings	244.97	213.97	175.51	132.67	114.32
Comprehensive Income & Other	-4.99	-5.86	-6.25	-7.28	-8.44
Shareholders' Equity	351.7	318.34	279.33	261.99	251.38
Total Liabilities & Equity	2,064	2,010	1,764	1,425	1,225
Total Debt	75.23	4.72	69.2	23.9	31.1
Net Cash (Debt)	6.05	73.64	-0.43	71.51	121.27
Net Cash Growth	-91.79%	-	-	-41.03%	221.53%
Net Cash Per Share	0.44	5.51	-0.03	4.55	7.65
Filing Date Shares Outstanding	13.3	12.71	12.73	14.08	15.01
Total Common Shares Outstanding	13.3	12.7	12.81	14.69	15.01
Book Value Per Share	26.45	25.06	21.80	17.83	16.75
Tangible Book Value	351.7	318.34	279.33	261.79	250.73
Tangible Book Value Per Share	26.45	25.06	21.80	17.82	16.71

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