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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	47.29	30.25	39.25	55.74	82.54	32.73
Investment Securities	23.15	18.76	18.59	20.68	22.13	5
Mortgage-Backed Securities	-	4.3	4.93	5.56	7.56	3.47
Total Investments	23.15	23.05	23.52	26.24	29.7	8.47
Gross Loans	322.26	314.87	290.17	279.22	254.35	280.13
Allowance for Loan Losses	-4.08	-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	318.19	310.33	285.66	274.51	249.46	275.19
Property, Plant & Equipment	3.8	3.76	3.84	3.96	3.65	3.41
Accrued Interest Receivable	0.96	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	11.2	8.93	7.94	7.66	7.66	7.57
Total Assets	404.58	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	365.28	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	365.28	343.46	330.06	340.33	344.53	300.42
Accrued Interest Payable	0.18	0.19	0.06	0.02	0.03	0.03
Other Long-Term Liabilities	1.76	0.07	0.06	0.04	0.04	0.04
Total Liabilities	367.21	345.34	331.86	342.23	346.23	302.22
Common Stock	37.37	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	37.37	35.38	32.72	29.3	29.47	28.2
Total Liabilities & Equity	404.58	380.73	364.58	371.53	375.69	330.42
Net Cash (Debt)	47.29	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	41.39	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	32.66	30.91	28.62	25.45	25.62	24.55
Tangible Book Value	37.37	35.38	32.72	29.3	29.47	28.2
Tangible Book Value Per Share	32.66	30.91	28.62	25.45	25.62	24.55

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