FRA:WB1 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	567.8	601.49	190.31	294.24	1,132
Investment Securities	3,353	4,051	4,668	4,891	4,422
Mortgage-Backed Securities	935.64	218.03	239.45	390.9	560.12
Total Investments	4,288	4,269	4,907	5,282	4,983
Gross Loans	726.48	820.3	866.6	958.49	1,068
Allowance for Loan Losses	-11.57	-14.78	-16.87	-20.28	-23.51
Net Loans	714.91	805.52	849.74	938.2	1,045
Property, Plant & Equipment	25.72	44.12	45.83	44.57	49.14
Goodwill	121.67	121.67	121.67	121.67	121.67
Other Intangible Assets	-	0.13	0.35	0.58	0.84
Accrued Interest Receivable	-	44.61	54.57	53.56	35.52
Other Current Assets	-	5.7	5.2	4.89	4.76
Long-Term Deferred Tax Assets	-	88.61	99.51	125.14	-
Other Long-Term Assets	241.77	95.28	90.4	85.23	89.85
Total Assets	5,960	6,076	6,365	6,950	7,461
Interest Bearing Deposits	2,588	2,644	2,828	3,213	3,274
Institutional Deposits	-	34.65	40.7	64.79	71.09
Non-Interest Bearing Deposits	2,252	2,333	2,606	2,947	3,069
Total Deposits	4,840	5,012	5,474	6,225	6,414
Short-Term Borrowings	137.3	120.32	58.16	57.79	146.25
Current Portion of Leases	-	6.19	-	-	-
Long-Term Leases	-	11.79	18.81	15.75	17.98
Long-Term Deferred Tax Liabilities	-	-	-	-	2.5
Other Long-Term Liabilities	49.35	36.16	40.46	49.38	53.24
Total Liabilities	5,027	5,186	5,592	6,348	6,634
Common Stock	440.02	476.47	473.14	475.09	471.01
Retained Earnings	584.63	581.56	490.01	383.09	306.4
Comprehensive Income & Other	-91.14	-168.07	-190.25	-256.07	49.7
Shareholders' Equity	933.51	889.96	772.89	602.11	827.1
Total Liabilities & Equity	5,960	6,076	6,365	6,950	7,461
Total Debt	137.3	138.31	76.98	73.54	164.23
Net Cash (Debt)	430.5	463.19	113.34	220.7	967.86
Net Cash Growth	-7.06%	308.68%	-48.65%	-77.20%	93.61%
Net Cash Per Share	16.77	17.36	4.24	8.20	36.02
Filing Date Shares Outstanding	24.62	26.71	26.67	26.91	26.87
Total Common Shares Outstanding	24.62	26.71	26.67	26.91	26.87
Book Value Per Share	37.91	33.32	28.98	22.37	30.79
Tangible Book Value	811.84	768.16	650.87	479.85	704.59
Tangible Book Value Per Share	32.97	28.76	24.40	17.83	26.23

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