Neffs Bancorp 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	3.38	4.22	6.88	8.59	7.17
Investment Securities	145.2	143.61	146.18	158.24	108.46
Mortgage-Backed Securities	62.19	67.12	69.14	82.27	83
Total Investments	207.39	210.74	215.32	240.51	191.46
Gross Loans	238.64	233.34	237.33	208.53	205.61
Allowance for Loan Losses	-2.27	-2.27	-2.25	-2.24	-2.26
Net Loans	236.37	231.08	235.09	206.29	203.35
Property, Plant & Equipment	4.03	4.19	4.46	4.34	4.45
Long-Term Deferred Tax Assets	2.9	2.62	2.92	0.55	0.09
Other Real Estate Owned & Foreclosed	-	-	-	0.44	0.1
Other Long-Term Assets	2.45	2.32	2.27	1.53	1.91
Total Assets	457.47	455.78	468.21	462.75	409.13
Interest Bearing Deposits	259.79	267.95	239.67	252.57	200.68
Institutional Deposits	28.11	23.88	45.89	48.19	54.5
Non-Interest Bearing Deposits	80.62	81.52	86.01	77.25	67.31
Total Deposits	368.52	373.34	371.57	378.01	322.49
Short-Term Borrowings	18.4	7.67	21.88	-	-
Current Portion of Long-Term Debt	-	2.5	2	3	2.5
Federal Home Loan Bank Debt, Long-Term	-	-	2.5	4.5	7.5
Long-Term Leases	1.74	1.8	1.86	1.92	1.98
Other Long-Term Liabilities	1.53	1.37	0.77	0.63	0.8
Total Liabilities	390.2	386.69	400.58	388.06	335.26
Preferred Stock, Convertible	0.01	0.01	0.01	0.01	0.01
Preferred Stock, Other	-0.53	-0.53	-0.53	-0.48	-0.45
Total Preferred Equity	-0.52	-0.52	-0.52	-0.48	-0.44
Common Stock	0.19	0.19	0.19	0.19	0.19
Additional Paid-In Capital	0.4	0.46	0.41	0.37	0.23
Retained Earnings	88.85	87.86	86.45	83.26	80.55
Treasury Stock	-12.23	-10.47	-9.3	-8.27	-7.98
Comprehensive Income & Other	-9.42	-8.42	-9.59	-0.38	1.32
Total Common Equity	67.79	69.62	68.15	75.17	74.32
Shareholders' Equity	67.27	69.1	67.63	74.7	73.87
Total Liabilities & Equity	457.47	455.78	468.21	462.75	409.13
Total Debt	20.14	11.97	28.24	9.42	11.98
Net Cash (Debt)	-16.56	-7.53	-18.77	21.11	2.85
Net Cash Growth	-	-	-	639.78%	-
Net Cash Per Share	-114.06	-48.85	-119.70	133.18	18.01
Filing Date Shares Outstanding	0.15	0.15	0.16	0.16	0.16
Total Common Shares Outstanding	0.15	0.15	0.16	0.16	0.16
Book Value Per Share	466.11	455.53	436.61	475.45	469.27
Tangible Book Value	67.79	69.62	68.15	75.17	74.32
Tangible Book Value Per Share	466.11	455.53	436.61	475.45	469.27

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