Laurentian Bank of Canada (LRCDF)

Laurentian Bank of Canada Balance Sheet

Financials in millions CAD. Fiscal year is November - October.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jul 31, 2024	Oct 31, 2023	Oct 31, 2022	Oct 31, 2021	Oct 31, 2020	Oct 31, 2019
Cash & Equivalents	67.15	69.44	79.7	69	69.66	90.66
Investment Securities	8,103	8,383	8,730	6,811	7,128	5,919
Trading Asset Securities	3,406	3,296	3,306	3,314	2,710	3,386
Total Investments	11,509	11,679	12,036	10,125	9,838	9,305
Gross Loans	35,065	37,212	37,611	33,744	33,300	33,459
Allowance for Loan Losses	-210.68	-205.96	-193.48	-195.06	-173.52	-100.46
Other Adjustments to Gross Loans	-	-152.74	-129.71	-99.64	-106.87	-112.75
Net Loans	34,854	36,853	37,288	33,450	33,020	33,246
Property, Plant & Equipment	86	119.68	134.39	106.28	209.24	89.35
Goodwill	-	84.76	83.71	78.43	117.29	116.65
Other Intangible Assets	186.31	282.83	294.44	278.3	380.26	391.16
Accrued Interest Receivable	-	193.62	148.12	77.25	82.4	117.05
Other Receivables	-	89.79	55.96	391.59	35.46	53.01
Restricted Cash	-	59.75	60.03	38.59	64.13	73.38
Other Current Assets	-	262.07	317.42	231.19	146.38	506.46
Long-Term Deferred Tax Assets	157.91	119.09	71.53	58.49	62.22	37.05
Other Real Estate Owned & Foreclosed	-	-	-	5.6	10.1	7.3
Other Long-Term Assets	599.9	80.4	147.71	168	133.18	320.06
Total Assets	47,461	49,893	50,717	45,077	44,168	44,353
Accounts Payable	-	566.78	560.81	955.69	653.74	522.76
Interest Bearing Deposits	22,198	24,931	25,665	21,575	22,606	24,402
Non-Interest Bearing Deposits	1,138	1,096	1,467	1,413	1,314	1,251
Total Deposits	23,336	26,027	27,132	22,988	23,920	25,653
Short-Term Borrowings	337.61	738.04	808.96	153.07	127.41	2,672
Current Portion of Long-Term Debt	6,241	4,727	4,319	4,584	3,805	1,737
Current Portion of Leases	-	51.54	-	-	-	-
Accrued Interest Payable	-	514.88	385.84	363.53	472.47	485.94
Other Current Liabilities	425.64	311.34	1,080	911.75	1,034	1,092
Long-Term Debt	11,268	11,583	11,134	9,793	9,140	7,525
Long-Term Leases	-	71.49	130.39	120.14	160.66	-
Pension & Post-Retirement Benefits	-	16.95	17.46	20.63	41.75	37.58
Long-Term Deferred Tax Liabilities	61.13	72.34	54.26	48.24	55.33	53.1
Other Long-Term Liabilities	2,998	2,355	2,312	2,498	2,146	2,008
Total Liabilities	44,667	47,035	47,936	42,436	41,556	41,785
Preferred Stock, Convertible	122.07	122.07	122.07	122.07	244.04	244.04
Total Preferred Equity	122.07	122.07	122.07	122.07	244.04	244.04
Common Stock	1,185	1,178	1,168	1,173	1,159	1,139
Retained Earnings	1,290	1,407	1,322	1,195	1,153	1,162
Comprehensive Income & Other	196.94	152.41	169.1	150.81	54.74	22.76
Total Common Equity	2,672	2,737	2,659	2,519	2,367	2,324
Shareholders' Equity	2,794	2,859	2,781	2,641	2,611	2,568
Total Liabilities & Equity	47,461	49,893	50,717	45,077	44,168	44,353
Total Debt	17,847	17,171	16,393	14,650	13,234	11,934
Net Cash (Debt)	-9,552	-8,468	-7,468	-7,905	-6,711	-5,596
Net Cash Per Share	-218.48	-194.76	-172.03	-181.79	-156.32	-132.12
Filing Date Shares Outstanding	43.92	43.65	43.33	43.59	43.24	42.62
Total Common Shares Outstanding	43.92	43.65	43.33	43.59	43.24	42.62
Book Value Per Share	60.83	62.70	61.36	57.79	54.75	54.51
Tangible Book Value	2,485	2,369	2,281	2,162	1,870	1,816
Tangible Book Value Per Share	56.59	54.28	52.63	49.60	43.24	42.60

Source: S&P Capital IQ. Banks template. Financial Sources.