Elmer Bancorp 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	46.42	30.25	39.25	55.74	82.54
Investment Securities	23.22	18.76	18.59	20.68	22.13
Mortgage-Backed Securities	-	4.3	4.93	5.56	7.56
Total Investments	23.22	23.05	23.52	26.24	29.7
Gross Loans	327.27	314.87	290.17	279.22	254.35
Allowance for Loan Losses	-4.16	-4.04	-4.08	-4.38	-4.56
Other Adjustments to Gross Loans	-	-0.51	-0.43	-0.33	-0.33
Net Loans	323.11	310.33	285.66	274.51	249.46
Property, Plant & Equipment	3.72	3.76	3.84	3.96	3.65
Accrued Interest Receivable	1.02	0.95	0.83	0.77	0.66
Long-Term Deferred Tax Assets	-	1.98	1.95	2.35	1.72
Other Real Estate Owned & Foreclosed	-	1.13	1.27	-	-
Other Long-Term Assets	11.93	8.93	7.94	7.66	7.66
Total Assets	409.42	380.73	364.58	371.53	375.69
Accrued Expenses	-	1.62	1.67	1.84	1.63
Interest Bearing Deposits	367.91	210.15	209.27	223.86	222.51
Institutional Deposits	-	24.72	9.82	4.72	7.95
Non-Interest Bearing Deposits	-	108.59	110.97	111.75	114.07
Total Deposits	367.91	343.46	330.06	340.33	344.53
Accrued Interest Payable	0.25	0.19	0.06	0.02	0.03
Other Long-Term Liabilities	2.21	0.07	0.06	0.04	0.04
Total Liabilities	370.37	345.34	331.86	342.23	346.23
Common Stock	39.05	0.12	0.12	0.12	0.12
Additional Paid-In Capital	-	0.55	0.57	0.58	0.6
Retained Earnings	-	38.44	36.17	33.36	31.22
Treasury Stock	-	-2.2	-2.25	-2.12	-2.16
Comprehensive Income & Other	-	-1.53	-1.89	-2.65	-0.32
Shareholders' Equity	39.05	35.38	32.72	29.3	29.47
Total Liabilities & Equity	409.42	380.73	364.58	371.53	375.69
Net Cash (Debt)	46.42	30.25	39.25	55.74	82.54
Net Cash Growth	53.48%	-22.94%	-29.58%	-32.47%	152.18%
Net Cash Per Share	40.57	26.49	34.16	48.49	71.87
Filing Date Shares Outstanding	1.15	1.14	1.14	1.15	1.15
Total Common Shares Outstanding	1.15	1.14	1.14	1.15	1.15
Book Value Per Share	34.08	30.91	28.62	25.45	25.62
Tangible Book Value	39.05	35.38	32.72	29.3	29.47
Tangible Book Value Per Share	34.08	30.91	28.62	25.45	25.62

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