CEFC 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	57.37	55.59	32.94	61.07	28.71
Investment Securities	80.35	58.31	86.35	103.09	96.06
Mortgage-Backed Securities	10.27	21.79	8.73	4.94	4.09
Total Investments	90.62	80.09	95.08	108.03	100.15
Gross Loans	371.33	395.65	417.4	411.29	451.57
Allowance for Loan Losses	-3.39	-3.48	-3.57	-4.15	-3.82
Net Loans	367.94	392.17	413.83	407.14	447.75
Property, Plant & Equipment	9.62	10.04	9.25	8.8	8.48
Goodwill	3.1	3.1	3.1	3.1	3.1
Other Intangible Assets	0.08	0.15	0.23	0.3	0.38
Accrued Interest Receivable	2.11	2.17	2.17	1.96	1.73
Other Real Estate Owned & Foreclosed	-	0.23	-	-	-
Other Long-Term Assets	19.65	19.38	18.83	19.63	16.32
Total Assets	554.21	566.64	579.16	613.75	610.8
Accrued Expenses	2.47	3.27	3.16	3.17	2.91
Interest Bearing Deposits	337.83	365.45	363.26	387.39	379.62
Institutional Deposits	22.92	27.54	24.78	18.34	12.13
Non-Interest Bearing Deposits	110.76	105.51	113.61	133.01	123.31
Total Deposits	471.5	498.51	501.65	538.73	515.06
Current Portion of Long-Term Debt	11	-	-	-	-
Current Portion of Leases	0.04	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	5	4	14	19	34.4
Long-Term Leases	0.58	-	-	-	-
Trust Preferred Securities	7.31	10.31	13.4	13.4	13.4
Other Long-Term Liabilities	0.03	0.03	0.15	0.13	0.14
Total Liabilities	497.93	516.11	532.35	574.44	565.91
Common Stock	20.2	20.52	20.52	20.52	20.52
Retained Earnings	42.31	37.91	34.26	30.01	24.15
Comprehensive Income & Other	-6.22	-7.89	-7.97	-11.22	0.23
Shareholders' Equity	56.28	50.53	46.81	39.31	44.89
Total Liabilities & Equity	554.21	566.64	579.16	613.75	610.8
Total Debt	23.92	14.31	27.4	32.4	47.8
Net Cash (Debt)	33.45	43.02	11	40.05	5.8
Net Cash Growth	-22.25%	291.15%	-72.54%	591.00%	-67.52%
Net Cash Per Share	8.44	10.85	2.77	10.10	1.46
Filing Date Shares Outstanding	3.94	3.97	3.97	3.97	3.97
Total Common Shares Outstanding	3.94	3.97	3.97	3.97	3.97
Book Value Per Share	14.30	12.74	11.80	9.91	11.32
Tangible Book Value	53.11	47.28	43.48	35.91	41.41
Tangible Book Value Per Share	13.49	11.92	10.97	9.06	10.44

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