PFS Bancorp 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
Period Ending	Mar '25 Mar 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	18.8	16.26	20.2	12.65	21.54
Investment Securities	77.01	36.29	38.06	28.33	33.26
Mortgage-Backed Securities	-	38.86	34.52	38.23	41.61
Total Investments	77.01	75.15	72.58	66.56	74.87
Gross Loans	-	96.97	91.39	85.46	81.41
Allowance for Loan Losses	-	-0.7	-0.68	-0.54	-0.57
Net Loans	-	96.27	90.72	84.92	80.84
Property, Plant & Equipment	2.08	2.1	2.04	2.15	2.16
Accrued Interest Receivable	0.71	0.73	0.69	0.59	0.57
Other Receivables	-	-	-	0.1	-
Long-Term Deferred Tax Assets	1.6	1.86	1.83	1.96	0.31
Other Long-Term Assets	4.88	4.92	5.06	4.86	4.94
Total Assets	205.01	197.64	193.45	174.13	185.56
Interest Bearing Deposits	146.12	123.44	114.85	112.36	113.6
Institutional Deposits	-	18.2	20.5	23.1	23.7
Non-Interest Bearing Deposits	19.98	17.95	20.81	17.25	18.61
Total Deposits	166.1	159.59	156.16	152.71	155.91
Short-Term Borrowings	-	-	-	-	5
Current Income Taxes Payable	0.25	0.17	0.26	-	0.05
Accrued Interest Payable	0.62	0.01	0	0.02	0
Other Long-Term Liabilities	0.62	1.2	1.11	1.27	1.15
Total Liabilities	167.59	160.96	157.53	154	162.12
Common Stock	0.02	0.02	0.02	-	-
Additional Paid-In Capital	15.6	15.6	15.61	-	-
Retained Earnings	25.99	25.7	24.8	23.83	23
Treasury Stock	-0.67	-0.46	-0.4	-	-
Comprehensive Income & Other	-3.53	-4.18	-4.1	-3.69	0.44
Shareholders' Equity	37.41	36.68	35.92	20.14	23.44
Total Liabilities & Equity	205.01	197.64	193.45	174.13	185.56
Total Debt	-	-	-	-	5
Net Cash (Debt)	18.8	23.61	28.29	14.88	18.52
Net Cash Growth	-28.40%	-16.54%	90.17%	-19.69%	-
Net Cash Per Share	11.81	14.81	17.76	-	-
Filing Date Shares Outstanding	1.66	1.49	1.55	-	-
Total Common Shares Outstanding	1.66	1.55	1.55	-	-
Book Value Per Share	22.53	23.63	23.14	-	-
Tangible Book Value	37.41	36.68	35.92	20.14	23.44
Tangible Book Value Per Share	22.53	23.63	23.14	-	-

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