Morris State Bancshares 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	100.33	94.86	49.57	60.28	176.25	149.49
Investment Securities	213.6	158.81	167.06	168.2	170.38	143.08
Mortgage-Backed Securities	-	70.35	84.62	95.07	89.57	78.92
Total Investments	213.6	229.16	251.68	263.28	259.95	222.01
Gross Loans	1,174	1,116	1,064	1,050	923.59	837.33
Allowance for Loan Losses	-14.96	-14.49	-14.29	-13.63	-12.01	-10.78
Net Loans	1,159	1,101	1,049	1,036	911.58	826.55
Property, Plant & Equipment	15.36	13.56	14.31	15.4	16.18	15.99
Goodwill	9.36	9.36	9.36	9.36	9.36	9.36
Other Intangible Assets	1.09	1.34	1.68	2.02	2.37	2.72
Loans Held for Sale	-	0.47	-	1.94	2.64	-
Accrued Interest Receivable	7.39	7.28	6.42	5.34	4.65	4.76
Other Receivables	-	7.91	10.81	3.94	-	-
Other Real Estate Owned & Foreclosed	0.01	0.02	3.61	3.72	5.33	0.14
Other Long-Term Assets	33.1	26.03	26.94	22.64	20.59	17.9
Total Assets	1,540	1,492	1,425	1,426	1,410	1,250
Accrued Expenses	11.49	9.74	9.15	3.91	6.93	3.63
Interest Bearing Deposits	978.17	831.45	826.58	835.3	842.17	755.07
Institutional Deposits	-	108.45	84.38	41.33	44.52	49.38
Non-Interest Bearing Deposits	335.47	324.99	297.37	329.83	337.52	282.75
Total Deposits	1,314	1,265	1,208	1,206	1,224	1,087
Current Portion of Leases	-	0.35	-	-	-	-
Accrued Interest Payable	2.94	2.11	1.02	0.15	0.13	0.27
Long-Term Debt	4.12	19.02	27.15	48.83	28.75	28.68
Long-Term Leases	0.66	0.43	1.13	1.53	1.24	0.64
Total Liabilities	1,333	1,297	1,247	1,261	1,261	1,120
Common Stock	10.75	10.69	10.65	2.17	2.16	2.14
Additional Paid-In Capital	36.03	33.84	33.17	40.93	40.35	39.29
Retained Earnings	163.23	153.01	135.11	121.43	104.04	83.27
Treasury Stock	-3.56	-3.36	-2.76	-2.2	-1.69	-1.67
Comprehensive Income & Other	1.08	1.42	1.97	2.61	3.4	6.38
Shareholders' Equity	207.54	195.6	178.13	164.94	148.26	129.42
Total Liabilities & Equity	1,540	1,492	1,425	1,426	1,410	1,250
Total Debt	4.78	19.8	28.28	50.36	29.99	29.32
Net Cash (Debt)	95.64	75.17	21.4	10.02	146.61	120.52
Net Cash Growth	-	251.29%	113.46%	-93.16%	21.64%	50.02%
Net Cash Per Share	9.06	7.09	2.02	0.95	13.95	11.50
Filing Date Shares Outstanding	10.65	10.59	10.58	10.56	10.54	10.47
Total Common Shares Outstanding	10.65	10.59	10.58	10.56	10.54	10.47
Book Value Per Share	19.49	18.46	16.84	15.61	14.07	12.36
Tangible Book Value	197.09	184.9	167.09	153.55	136.53	117.34
Tangible Book Value Per Share	18.51	17.45	15.79	14.54	12.95	11.21

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