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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	51.2	30.25	39.25	55.74	82.54	32.73
Investment Securities	23.25	18.76	18.59	20.68	22.13	5
Mortgage-Backed Securities	-	4.3	4.93	5.56	7.56	3.47
Total Investments	23.25	23.05	23.52	26.24	29.7	8.47
Gross Loans	323.25	314.87	290.17	279.22	254.35	280.13
Allowance for Loan Losses	-4.12	-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	319.13	310.33	285.66	274.51	249.46	275.19
Property, Plant & Equipment	3.76	3.76	3.84	3.96	3.65	3.41
Accrued Interest Receivable	1.01	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	11.81	8.93	7.94	7.66	7.66	7.57
Total Assets	410.16	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	369.22	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	369.22	343.46	330.06	340.33	344.53	300.42
Accrued Interest Payable	0.24	0.19	0.06	0.02	0.03	0.03
Other Long-Term Liabilities	2.28	0.07	0.06	0.04	0.04	0.04
Total Liabilities	371.73	345.34	331.86	342.23	346.23	302.22
Common Stock	38.43	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	38.43	35.38	32.72	29.3	29.47	28.2
Total Liabilities & Equity	410.16	380.73	364.58	371.53	375.69	330.42
Net Cash (Debt)	51.2	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	44.79	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	33.56	30.91	28.62	25.45	25.62	24.55
Tangible Book Value	38.43	35.38	32.72	29.3	29.47	28.2
Tangible Book Value Per Share	33.56	30.91	28.62	25.45	25.62	24.55

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