Generations Bancorp NY Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	12.36	14.53	8	21	26.83
Investment Securities	25.67	36.34	33.71	37.94	18.55
Mortgage-Backed Securities	0.73	0.82	0.96	1.16	1.52
Total Investments	26.4	37.16	34.67	39.1	20.07
Gross Loans	310.32	336.6	306.65	280.31	287.88
Allowance for Loan Losses	-2.79	-2.97	-2.5	-1.84	-1.82
Other Adjustments to Gross Loans	-0.08	-0.15	-0.27	-0.35	-0.42
Net Loans	307.45	333.48	303.88	278.12	285.64
Property, Plant & Equipment	13.33	14.2	14.86	15.35	16.74
Goodwill	-	-	0.79	0.79	0.79
Other Intangible Assets	0.59	0.65	0.72	0.78	0.85
Accrued Interest Receivable	1.71	1.61	1.3	1.25	1.18
Long-Term Deferred Tax Assets	-	-	0.14	-	-
Other Real Estate Owned & Foreclosed	-	0.12	0.01	0.03	0.05
Other Long-Term Assets	23.89	21.16	20.16	21.08	19.66
Total Assets	387.15	424.5	386.29	378.95	373.8
Interest Bearing Deposits	243.02	268.78	233.97	230.35	221.57
Institutional Deposits	35.1	37.3	29.1	24.16	22.3
Non-Interest Bearing Deposits	48.34	51.53	54.61	57.54	65.67
Total Deposits	326.46	357.61	317.68	312.05	309.55
Short-Term Borrowings	-	-	16.2	-	-
Current Portion of Long-Term Debt	2.44	3.58	2.84	6.46	10.28
Federal Home Loan Bank Debt, Long-Term	17.46	20	7.49	11.3	18.58
Long-Term Deferred Tax Liabilities	-	-	-	1.12	0.79
Other Long-Term Liabilities	5.39	5.62	4.75	4.54	4.72
Total Liabilities	351.75	386.8	348.97	335.47	343.91
Common Stock	0.02	0.02	0.02	0.03	0.03
Additional Paid-In Capital	22.9	22.29	23	24.49	11.95
Retained Earnings	16.23	21	22.51	21.67	20.26
Treasury Stock	-	-	-	-	-0.61
Comprehensive Income & Other	-3.75	-5.61	-8.21	-2.71	-1.74
Shareholders' Equity	35.4	37.7	37.33	43.48	29.89
Total Liabilities & Equity	387.15	424.5	386.29	378.95	373.8
Total Debt	19.9	23.58	26.53	17.76	28.86
Net Cash (Debt)	-6.29	-4.04	-17.88	3.89	-2.03
Net Cash Per Share	-2.92	-1.84	-7.74	1.65	-0.83
Filing Date Shares Outstanding	2.28	2.24	2.34	2.46	2.46
Total Common Shares Outstanding	2.28	2.24	2.35	2.46	2.46
Book Value Per Share	15.53	16.86	15.89	17.69	12.13
Tangible Book Value	34.81	37.04	35.82	41.9	28.25
Tangible Book Value Per Share	15.28	16.57	15.25	17.05	11.47

Updated Dec 31, 2024. Source: S&P Global Market Intelligence. Banks template. Financial Sources.