Bank of Botetourt Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	69.38	55.13	65.46	68.43	99.88	143.12
Investment Securities	77.81	65.07	76.18	87.02	92.26	66.73
Mortgage-Backed Securities	-	14.45	7.22	8.83	10.49	-
Total Investments	77.81	79.53	83.39	95.85	102.75	66.73
Gross Loans	763.77	758.74	679.58	600.8	488.85	431.57
Allowance for Loan Losses	-8.6	-8.37	-7.99	-7.54	-6.69	-5.67
Net Loans	755.16	750.37	671.59	593.26	482.16	425.9
Property, Plant & Equipment	17.91	16.83	17.38	14.65	14.06	14.37
Loans Held for Sale	0.36	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	1.05	-
Other Real Estate Owned & Foreclosed	-	-	-	-	-	0.03
Other Long-Term Assets	17.41	15.57	15.57	13.5	11.81	10.3
Total Assets	938.04	923.1	857.07	789.02	713.72	662.23
Interest Bearing Deposits	658.71	591.21	520.54	460.06	431.35	464.31
Institutional Deposits	-	67.31	67.26	70.06	43.41	48.72
Non-Interest Bearing Deposits	175.29	164.54	179.42	159.47	169.16	84.09
Total Deposits	834	823.06	767.22	689.59	643.92	597.12
Short-Term Borrowings	-	-	-	19	-	-
Current Portion of Leases	-	0.04	-	-	-	-
Accrued Interest Payable	-	2.48	3.54	1.57	0.32	0.2
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	-	3
Long-Term Leases	-	0.27	0.02	-	-	-
Pension & Post-Retirement Benefits	-	0.01	0.03	0.06	0.06	0.09
Other Long-Term Liabilities	7.89	3.71	3.74	4.02	3.02	2.68
Total Liabilities	841.89	829.58	774.56	714.25	647.32	603.09
Preferred Stock, Convertible	0.24	0.24	0.24	0.24	0.24	-
Common Stock	2.96	2.96	2.94	2.93	2.91	2.88
Additional Paid-In Capital	24.64	24.51	24.2	23.94	23.65	16.78
Retained Earnings	70.31	67.83	59.28	53.38	47.68	41.3
Comprehensive Income & Other	-2.01	-2.02	-4.15	-5.71	-8.1	-1.83
Total Common Equity	95.9	93.27	82.27	74.53	66.15	59.14
Shareholders' Equity	96.14	93.52	82.51	74.78	66.39	59.14
Total Liabilities & Equity	938.04	923.1	857.07	789.02	713.72	662.23
Total Debt	-	0.31	0.02	19	-	3
Net Cash (Debt)	69.38	55.07	65.68	49.68	100.13	140.37
Net Cash Growth	13.45%	-16.16%	32.20%	-50.38%	-28.67%	49.16%
Net Cash Per Share	35.25	28.01	33.57	25.52	51.81	73.07
Filing Date Shares Outstanding	1.97	1.97	1.96	1.95	1.94	1.92
Total Common Shares Outstanding	1.97	1.97	1.96	1.95	1.94	1.92
Book Value Per Share	48.59	47.34	41.95	38.20	34.08	30.77
Tangible Book Value	95.9	93.27	82.27	74.53	66.15	59.14
Tangible Book Value Per Share	48.59	47.34	41.95	38.20	34.08	30.77