First Niles Financial Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	-	8.78	14.59	6.72	26.5	22.65
Investment Securities	16.57	11.43	11.55	11.92	9.37	4.31
Mortgage-Backed Securities	-	5.59	6.49	7.25	2.8	4.96
Total Investments	16.57	17.02	18.04	19.16	12.17	9.26
Gross Loans	101.7	104.34	104.05	91.64	74.32	72.31
Allowance for Loan Losses	-	-1.03	-1.06	-0.68	-0.58	-0.56
Net Loans	101.7	103.31	102.99	90.97	73.74	71.76
Property, Plant & Equipment	-	0.31	0.3	0.31	0.33	0.32
Goodwill	-	1.67	1.67	1.67	1.67	-
Loans Held for Sale	20.08	16.13	10.1	6.86	4.12	-
Accrued Interest Receivable	-	0.61	0.62	0.44	0.28	0.26
Other Current Assets	-	1.86	2.03	2.39	0.68	0.5
Other Long-Term Assets	20.95	3.88	3.81	3.74	3.68	3.62
Total Assets	159.3	156.38	156.9	133.89	124.5	109.69
Accounts Payable	-	1.12	1.79	2.02	1.3	0.28
Interest Bearing Deposits	87.45	47.58	54	58.89	57.71	51.07
Institutional Deposits	-	36	34.1	24.6	22.9	15.2
Total Deposits	87.45	83.58	88.1	83.49	80.61	66.27
Short-Term Borrowings	-	7.9	-	-	3.1	-
Current Portion of Long-Term Debt	-	12.02	4.5	5.5	5	6
Current Portion of Leases	-	0.17	-	-	-	-
Accrued Interest Payable	-	0.3	0.28	0.15	0.07	0.08
Long-Term Debt	52.53	0.03	0.07	0.09	0.12	0.15
Federal Home Loan Bank Debt, Long-Term	-	36.5	48.5	29.5	19	24
Long-Term Leases	-	0.6	-	-	-	-
Other Long-Term Liabilities	2.28	-	-	-	-	-
Total Liabilities	142.26	142.21	143.24	120.75	109.19	96.77
Common Stock	6.28	0.02	0.02	0.02	0.02	0.02
Additional Paid-In Capital	-	6.65	6.65	6.65	6.65	7.05
Retained Earnings	14.35	14.14	13.6	13.35	13.42	13.14
Treasury Stock	-	-4.76	-4.76	-4.76	-4.76	-7.38
Comprehensive Income & Other	-3.59	-1.88	-1.85	-2.11	-0.03	0.1
Shareholders' Equity	17.04	14.17	13.66	13.14	15.31	12.92
Total Liabilities & Equity	159.3	156.38	156.9	133.89	124.5	109.69
Total Debt	52.53	57.21	53.07	35.09	27.22	30.15
Net Cash (Debt)	-52.53	-48.09	-38.14	-27.52	0.14	-6.65
Net Cash Per Share	-36.88	-36.07	-28.61	-20.64	0.11	-5.97
Filing Date Shares Outstanding	1.49	1.33	1.11	1.11	1.33	1.11
Total Common Shares Outstanding	1.49	1.33	1.11	1.11	1.33	1.11
Book Value Per Share	11.47	10.63	12.27	11.81	11.48	11.60
Tangible Book Value	17.04	12.5	11.99	11.48	13.64	12.92
Tangible Book Value Per Share	11.47	9.38	10.77	10.31	10.23	11.60

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.