MSWV Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	61.62	54.42	20.88	13.8	44.44
Investment Securities	51.55	63.09	40.86	40.52	42.96
Mortgage-Backed Securities	104.15	100.73	45.54	51.25	67.26
Total Investments	155.7	163.82	86.41	91.77	110.22
Gross Loans	1,264	1,151	694.23	620.76	475.31
Allowance for Loan Losses	-13.13	-11.81	-7.28	-6.66	-5.44
Other Adjustments to Gross Loans	-41.26	-25.79	-17.35	-19.17	-15.28
Net Loans	1,210	1,114	669.6	594.93	454.59
Property, Plant & Equipment	9.98	10.91	4.9	5.18	5.22
Goodwill	5.4	5.16	1.72	1.72	1.72
Other Intangible Assets	8.71	10.89	-	-	-
Loans Held for Sale	-	-	-	-	0.27
Accrued Interest Receivable	6.71	6.3	2.76	2.13	1.66
Other Real Estate Owned & Foreclosed	0.15	0.15	-	-	-
Other Long-Term Assets	36.36	38.14	19.72	16.92	13.67
Total Assets	1,496	1,410	809.95	729.77	636
Interest Bearing Deposits	848.46	663.92	658.43	579.93	520.96
Institutional Deposits	151	125.3	34.7	25.9	19.5
Non-Interest Bearing Deposits	332.3	367.11	-	-	-
Total Deposits	1,332	1,156	693.13	605.83	540.46
Short-Term Borrowings	19.93	25.96	8.74	14.78	22.4
Current Portion of Long-Term Debt	-	100	44	52.5	-
Current Portion of Leases	0.58	-	-	-	-
Accrued Interest Payable	0.22	0.6	0.52	0.31	0.02
Federal Home Loan Bank Debt, Long-Term	-	-	3	6	14
Long-Term Leases	1.65	2.9	-	-	-
Trust Preferred Securities	2.5	2.44	-	-	-
Other Long-Term Liabilities	10.16	10.74	7.59	5.62	5.5
Total Liabilities	1,367	1,299	756.98	685.04	582.38
Common Stock	7.83	7.8	0.4	0.4	0.4
Additional Paid-In Capital	57.22	56.39	36.72	36.58	36.42
Retained Earnings	69.73	57.36	55.34	49.65	42.7
Treasury Stock	-	-	-30.33	-30.46	-25.79
Comprehensive Income & Other	-6.05	-10.91	-9.16	-11.44	-0.1
Shareholders' Equity	128.72	110.64	52.97	44.73	53.63
Total Liabilities & Equity	1,496	1,410	809.95	729.77	636
Total Debt	24.67	131.3	55.74	73.28	36.4
Net Cash (Debt)	36.96	-76.88	-34.86	-59.48	8.04
Net Cash Growth	-	-	-	-	-68.38%
Net Cash Per Share	4.71	-12.47	-9.02	-14.90	1.87
Filing Date Shares Outstanding	7.83	7.8	3.84	3.83	4.13
Total Common Shares Outstanding	7.83	7.8	3.84	3.83	4.13
Book Value Per Share	16.44	14.18	13.79	11.69	13.00
Tangible Book Value	114.61	94.59	51.25	43.01	51.91
Tangible Book Value Per Share	14.64	12.13	13.35	11.24	12.58

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