BEO Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	32.83	64.38	171.39	287.27	135.49
Investment Securities	100.45	126.13	129.81	36.22	9.8
Mortgage-Backed Securities	115.69	112.24	66.29	4.77	2.9
Total Investments	216.15	238.37	196.1	40.99	12.7
Gross Loans	588.29	530.24	495.17	472.97	498.29
Allowance for Loan Losses	-6.81	-6.03	-5.43	-5.39	-5.01
Other Adjustments to Gross Loans	-1.45	-2.35	-0.93	-1.09	-1.57
Net Loans	580.03	521.87	488.81	466.48	491.7
Property, Plant & Equipment	10.39	9.43	9.35	9.85	10.09
Other Intangible Assets	0.64	0.83	1.02	1.21	1.4
Accrued Interest Receivable	9.52	7.98	6.22	4.3	4.68
Other Current Assets	0.65	0.69	0.51	0.62	0.63
Long-Term Deferred Tax Assets	4.17	4.17	3.68	1.52	1.17
Other Long-Term Assets	12.68	12.33	12	8.54	8.25
Total Assets	867.6	860.63	890.1	821.59	666.7
Interest Bearing Deposits	549.15	553.89	574.05	532.83	433.59
Institutional Deposits	3.03	4.47	5.12	4.26	3.92
Non-Interest Bearing Deposits	218.54	218.03	239.86	216.33	170.27
Total Deposits	770.72	776.39	819.03	753.42	607.78
Short-Term Borrowings	-	-	-	0.59	0.95
Current Portion of Leases	0.3	-	-	-	0.24
Accrued Interest Payable	0.31	0.24	0.18	0.1	0.09
Long-Term Leases	0.33	0.62	0.87	1.02	0.34
Trust Preferred Securities	8.19	11.91	14.96	14.96	12.47
Pension & Post-Retirement Benefits	2.07	1.93	1.84	1.76	1.73
Other Long-Term Liabilities	4.83	5.43	3.23	1.82	1.15
Total Liabilities	786.76	796.53	840.11	773.66	624.76
Common Stock	3.21	3.16	3.15	3.15	3.14
Additional Paid-In Capital	6.8	5.52	5.06	5.06	4.92
Retained Earnings	76.96	62.02	49.22	41.84	36.13
Treasury Stock	-1.48	-1.07	-1.58	-1.58	-1.58
Comprehensive Income & Other	-4.65	-5.52	-5.86	-0.54	-0.67
Shareholders' Equity	80.84	64.1	49.99	47.93	41.94
Total Liabilities & Equity	867.6	860.63	890.1	821.59	666.7
Total Debt	8.83	12.53	15.83	16.56	14
Net Cash (Debt)	25.23	54.06	157.76	270.7	121.49
Net Cash Growth	-53.32%	-65.73%	-41.72%	122.83%	3799.75%
Net Cash Per Share	20.23	43.02	121.03	207.78	93.92
Filing Date Shares Outstanding	1.24	1.23	1.2	1.2	1.2
Total Common Shares Outstanding	1.24	1.23	1.2	1.2	1.2
Book Value Per Share	65.09	52.24	41.51	39.80	34.96
Tangible Book Value	80.2	63.27	48.96	46.72	40.53
Tangible Book Value Per Share	64.57	51.56	40.65	38.79	33.79

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