Bank of Botetourt 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	56.43	65.46	68.43	99.88	143.12
Investment Securities	79.14	76.35	87.02	92.26	66.73
Mortgage-Backed Securities	-	7.22	8.83	10.49	-
Total Investments	79.14	83.57	95.85	102.75	66.73
Gross Loans	758.74	679.58	600.8	488.85	431.57
Allowance for Loan Losses	-8.37	-7.99	-7.54	-6.69	-5.67
Net Loans	750.37	671.59	593.26	482.16	425.9
Property, Plant & Equipment	16.52	17.36	14.65	14.06	14.37
Loans Held for Sale	1.74	-	-	0.18	0.41
Accrued Interest Receivable	2.89	2.63	2.29	1.83	1.37
Restricted Cash	-	1.05	1.05	1.05	-
Other Real Estate Owned & Foreclosed	-	-	-	-	0.03
Other Long-Term Assets	16.02	15.42	13.5	11.81	10.3
Total Assets	923.1	857.07	789.02	713.72	662.23
Interest Bearing Deposits	658.52	520.54	460.06	431.35	464.31
Institutional Deposits	-	67.26	70.06	43.41	48.72
Non-Interest Bearing Deposits	164.54	179.42	159.47	169.16	84.09
Total Deposits	823.06	767.22	689.59	643.92	597.12
Short-Term Borrowings	-	-	19	-	-
Current Portion of Leases	-	0.02	-	-	-
Accrued Interest Payable	2.48	3.54	1.57	0.32	0.2
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	3
Long-Term Leases	-	0.04	-	-	-
Pension & Post-Retirement Benefits	-	0.03	0.06	0.06	0.09
Other Long-Term Liabilities	4.04	3.71	4.02	3.02	2.68
Total Liabilities	829.58	774.56	714.25	647.32	603.09
Preferred Stock, Convertible	0.24	0.24	0.24	0.24	-
Common Stock	2.96	2.94	2.93	2.91	2.88
Additional Paid-In Capital	24.5	24.2	23.94	23.65	16.78
Retained Earnings	67.83	59.28	53.38	47.68	41.3
Comprehensive Income & Other	-2.02	-4.15	-5.71	-8.1	-1.83
Total Common Equity	93.27	82.27	74.53	66.15	59.14
Shareholders' Equity	93.52	82.51	74.78	66.39	59.14
Total Liabilities & Equity	923.1	857.07	789.02	713.72	662.23
Total Debt	-	0.06	19	-	3
Net Cash (Debt)	56.43	65.65	49.68	100.13	140.37
Net Cash Growth	-14.04%	32.13%	-50.38%	-28.67%	49.16%
Net Cash Per Share	28.70	33.56	25.52	51.81	73.07
Filing Date Shares Outstanding	1.97	1.96	1.95	1.94	1.92
Total Common Shares Outstanding	1.97	1.96	1.95	1.94	1.92
Book Value Per Share	47.34	41.95	38.20	34.08	30.77
Tangible Book Value	93.27	82.27	74.53	66.15	59.14
Tangible Book Value Per Share	47.34	41.95	38.20	34.08	30.77

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