PFS Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	14.45	20.2	12.65	21.54
Investment Securities	37.24	38.06	28.33	33.26
Mortgage-Backed Securities	42.04	34.52	38.23	41.61
Total Investments	79.28	72.58	66.56	74.87
Gross Loans	95.97	91.39	85.46	81.41
Allowance for Loan Losses	-0.86	-0.68	-0.54	-0.57
Net Loans	95.11	90.72	84.92	80.84
Property, Plant & Equipment	2.07	2.04	2.15	2.16
Accrued Interest Receivable	0.74	0.69	0.59	0.57
Other Receivables	-	-	0.1	-
Long-Term Deferred Tax Assets	1.35	1.83	1.96	0.31
Other Long-Term Assets	5.01	5.06	4.86	4.94
Total Assets	198.35	193.45	174.13	185.56
Interest Bearing Deposits	126.8	114.85	112.36	113.6
Institutional Deposits	13	20.5	23.1	23.7
Non-Interest Bearing Deposits	18.81	20.81	17.25	18.61
Total Deposits	158.61	156.16	152.71	155.91
Short-Term Borrowings	-	-	-	5
Current Income Taxes Payable	0.24	0.26	-	0.05
Accrued Interest Payable	0.01	0	0.02	0
Other Long-Term Liabilities	1.77	1.51	1.27	1.15
Total Liabilities	160.63	157.93	154	162.12
Common Stock	0.02	0.02	-	-
Additional Paid-In Capital	15.6	15.61	-	-
Retained Earnings	25.59	24.8	23.83	23
Treasury Stock	-0.4	-0.4	-	-
Comprehensive Income & Other	-3.08	-4.5	-3.69	0.44
Shareholders' Equity	37.72	35.52	20.14	23.44
Total Liabilities & Equity	198.35	193.45	174.13	185.56
Total Debt	-	-	-	5
Net Cash (Debt)	22.05	28.29	14.88	18.52
Net Cash Growth	-50.29%	90.17%	-19.69%	-
Net Cash Per Share	14.16	18.22	-	-
Filing Date Shares Outstanding	1.56	1.55	-	-
Total Common Shares Outstanding	1.56	1.55	-	-
Book Value Per Share	24.23	22.88	-	-
Tangible Book Value	37.72	35.52	20.14	23.44
Tangible Book Value Per Share	24.23	22.88	-	-

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