Elmer Bancorp, Inc. (ELMA)

Elmer Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	29.77	30.25	39.25	55.74	82.54	32.73
Investment Securities	23.17	18.76	18.59	20.68	22.13	5
Mortgage-Backed Securities	-	4.3	4.93	5.56	7.56	3.47
Total Investments	23.17	23.05	23.52	26.24	29.7	8.47
Gross Loans	320.39	314.87	290.17	279.22	254.35	280.13
Allowance for Loan Losses	-4.03	-4.04	-4.08	-4.38	-4.56	-4.18
Other Adjustments to Gross Loans	-	-0.51	-0.43	-0.33	-0.33	-0.76
Net Loans	316.36	310.33	285.66	274.51	249.46	275.19
Property, Plant & Equipment	3.82	3.76	3.84	3.96	3.65	3.41
Accrued Interest Receivable	0.94	0.95	0.83	0.77	0.66	1.16
Long-Term Deferred Tax Assets	-	1.98	1.95	2.35	1.72	1.44
Other Real Estate Owned & Foreclosed	-	1.13	1.27	-	-	0.17
Other Long-Term Assets	10.86	8.93	7.94	7.66	7.66	7.57
Total Assets	384.92	380.73	364.58	371.53	375.69	330.42
Accrued Expenses	-	1.62	1.67	1.84	1.63	1.72
Interest Bearing Deposits	346.05	210.15	209.27	223.86	222.51	202.2
Institutional Deposits	-	24.72	9.82	4.72	7.95	0.75
Non-Interest Bearing Deposits	-	108.59	110.97	111.75	114.07	97.47
Total Deposits	346.05	343.46	330.06	340.33	344.53	300.42
Accrued Interest Payable	0.15	0.19	0.06	0.02	0.03	0.03
Other Long-Term Liabilities	2.02	0.07	0.06	0.04	0.04	0.04
Total Liabilities	348.22	345.34	331.86	342.23	346.23	302.22
Common Stock	36.7	0.12	0.12	0.12	0.12	0.12
Additional Paid-In Capital	-	0.55	0.57	0.58	0.6	0.62
Retained Earnings	-	38.44	36.17	33.36	31.22	29.69
Treasury Stock	-	-2.2	-2.25	-2.12	-2.16	-2.2
Comprehensive Income & Other	-	-1.53	-1.89	-2.65	-0.32	-0.04
Shareholders' Equity	36.7	35.38	32.72	29.3	29.47	28.2
Total Liabilities & Equity	384.92	380.73	364.58	371.53	375.69	330.42
Net Cash (Debt)	29.77	30.25	39.25	55.74	82.54	32.73
Net Cash Growth	-	-22.94%	-29.58%	-32.47%	152.18%	54.96%
Net Cash Per Share	26.06	26.49	34.16	48.49	71.87	28.54
Filing Date Shares Outstanding	1.14	1.14	1.14	1.15	1.15	1.15
Total Common Shares Outstanding	1.14	1.14	1.14	1.15	1.15	1.15
Book Value Per Share	32.05	30.91	28.62	25.45	25.62	24.55
Tangible Book Value	36.7	35.38	32.72	29.3	29.47	28.2
Tangible Book Value Per Share	32.05	30.91	28.62	25.45	25.62	24.55

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