FRA:OFR 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	149.77	248.87	65.16	60.82	208.71
Investment Securities	952.74	321.4	335.97	348.29	338.69
Trading Asset Securities	-	13.48	11.38	10.66	1.17
Mortgage-Backed Securities	-	518.32	180.15	167.54	136.35
Total Investments	952.74	853.19	527.5	526.49	476.21
Gross Loans	4,021	3,931	2,298	2,151	1,980
Allowance for Loan Losses	-47.68	-48.69	-28.7	-25.18	-21.18
Net Loans	3,973	3,883	2,270	2,126	1,959
Property, Plant & Equipment	51.03	63.66	40.22	38.6	44.56
Goodwill	69.75	68.11	18.72	18.72	18.72
Other Intangible Assets	37.99	47.77	2.41	3.08	4.18
Loans Held for Sale	6.09	6.61	5.82	10.88	8.87
Accrued Interest Receivable	21.47	21.06	13.63	11.03	8.23
Other Current Assets	-	1.9	-	2	0.32
Long-Term Deferred Tax Assets	33.93	42.65	22.02	24.03	11.65
Other Long-Term Assets	246.47	205.26	99.15	100.71	94.3
Total Assets	5,542	5,442	3,064	2,922	2,835
Interest Bearing Deposits	3,658	3,559	2,051	1,946	1,868
Institutional Deposits	-	170.11	76.41	36.52	44.02
Non-Interest Bearing Deposits	870.91	894.18	430.96	494.13	553.24
Total Deposits	4,529	4,623	2,559	2,476	2,465
Short-Term Borrowings	24.54	113.44	120.75	133.27	24.06
Current Portion of Long-Term Debt	-	15	-	-	-
Current Portion of Leases	-	1.66	-	-	-
Accrued Interest Payable	-	2.92	2.56	0.46	0.15
Long-Term Debt	37.12	68.68	32.09	32.03	31.96
Federal Home Loan Bank Debt, Long-Term	274.7	25	40	1.46	1.9
Long-Term Leases	-	12.97	11.61	9.98	11.12
Pension & Post-Retirement Benefits	-	36.8	18.9	17.32	16.24
Other Long-Term Liabilities	85.58	25.34	14.45	22.77	12.55
Total Liabilities	4,951	4,925	2,799	2,694	2,563
Common Stock	1.03	1.03	0.58	0.58	0.59
Additional Paid-In Capital	424.6	423.27	189.03	189.26	189.69
Retained Earnings	186.75	126.54	117.67	92.47	78.7
Treasury Stock	-5.64	-7.84	-13.75	-13.51	-1.77
Comprehensive Income & Other	-15.2	-26.32	-28.48	-39.91	4.45
Shareholders' Equity	591.54	516.68	265.06	228.9	271.66
Total Liabilities & Equity	5,542	5,442	3,064	2,922	2,835
Total Debt	336.37	236.75	204.46	176.73	69.04
Net Cash (Debt)	-186.59	25.6	-127.92	-105.25	140.84
Net Cash Growth	-	-	-	-	2229.09%
Net Cash Per Share	-9.64	1.72	-12.26	-9.83	12.68
Filing Date Shares Outstanding	19.51	19.51	10.71	10.73	11.14
Total Common Shares Outstanding	19.51	19.39	10.61	10.67	11.18
Book Value Per Share	30.32	26.65	24.98	21.45	24.29
Tangible Book Value	483.79	400.81	243.92	207.09	248.75
Tangible Book Value Per Share	24.80	20.67	22.98	19.41	22.24

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