Pioneer Bankshares, Inc. (PNBI)

Pioneer Bankshares Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	4.58	4	4.47	5.49	7.89
Investment Securities	69.31	69.62	72.78	98.22	49.37
Mortgage-Backed Securities	1.35	1.58	1.79	2.48	3.7
Total Investments	70.67	71.2	74.57	100.69	53.07
Gross Loans	262.99	240.19	208.08	179.26	198.83
Allowance for Loan Losses	-2.55	-2.35	-2.12	-2.33	-2.64
Other Adjustments to Gross Loans	-0.35	-0.4	-0.27	-0.25	-0.51
Net Loans	260.09	237.44	205.7	176.68	195.68
Property, Plant & Equipment	3.58	3.84	4.04	4.38	4.66
Goodwill	0.36	0.36	0.36	0.36	0.36
Accrued Interest Receivable	1.17	1.06	0.93	0.81	0.88
Long-Term Deferred Tax Assets	0.99	1.26	1.61	-	-
Other Long-Term Assets	1.61	1.7	1.33	1.73	1.53
Total Assets	344.92	322.13	293.3	290.41	264.42
Accrued Expenses	1.56	1.51	1.06	0.65	0.74
Interest Bearing Deposits	149.56	143.98	137.28	155.38	140.95
Institutional Deposits	36.5	30.1	24.3	2.9	4.2
Non-Interest Bearing Deposits	85.6	89.68	95.77	94.06	82.67
Total Deposits	271.66	263.76	257.35	252.33	227.82
Current Portion of Leases	0.03	-	-	-	-
Federal Home Loan Bank Debt, Long-Term	34.5	22.5	2.5	2.5	2.88
Long-Term Leases	-	0.12	0.06	0.1	0.17
Total Liabilities	307.75	287.89	260.97	255.58	231.6
Common Stock	0.5	0.5	0.5	0.5	0.5
Retained Earnings	39.08	37.33	36.84	35.05	32.23
Comprehensive Income & Other	-2.42	-3.57	-5.01	-0.72	0.1
Shareholders' Equity	37.16	34.25	32.33	34.83	32.82
Total Liabilities & Equity	344.92	322.13	293.3	290.41	264.42
Total Debt	34.53	22.62	2.56	2.6	3.04
Net Cash (Debt)	-3.28	0.44	13.22	36.28	37.6
Net Cash Growth	-	-96.67%	-63.55%	-3.53%	199.27%
Net Cash Per Share	-3.29	0.44	13.22	36.58	38.12
Filing Date Shares Outstanding	1	0.99	1	1	0.99
Total Common Shares Outstanding	1	0.99	1	1	0.99
Book Value Per Share	37.18	34.55	32.22	34.96	33.19
Tangible Book Value	36.8	33.89	31.97	34.47	32.46
Tangible Book Value Per Share	36.82	34.19	31.86	34.60	32.82

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