Pinnacle Bankshares 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	122.26	108.21	87.59	36.52	298.6
Investment Securities	152.45	120.36	174.56	185.69	57.96
Mortgage-Backed Securities	-	55.7	59.27	65.68	63
Total Investments	152.45	176.07	233.83	251.36	120.96
Gross Loans	745.56	711.92	641.44	632.9	552.24
Allowance for Loan Losses	-5.24	-5.08	-4.51	-3.85	-3.66
Other Adjustments to Gross Loans	-	-0.81	-0.64	-0.57	-0.5
Net Loans	740.33	706.02	636.29	628.47	548.08
Property, Plant & Equipment	-	24.14	21.5	21.74	22.61
Goodwill	-	0.54	0.54	0.54	0.54
Other Intangible Assets	-	0.93	1.09	1.25	1.41
Accrued Interest Receivable	-	3.24	3.26	2.96	1.68
Long-Term Deferred Tax Assets	-	2.09	3.08	-	-
Other Long-Term Assets	50.19	22.02	28.66	26.56	21.56
Total Assets	1,065	1,044	1,017	969.93	1,016
Interest Bearing Deposits	971.31	660.88	641.78	604.47	587.87
Institutional Deposits	-	27.21	21.16	7.94	9
Non-Interest Bearing Deposits	-	262.83	269.5	286.83	341.2
Total Deposits	971.31	950.92	932.44	899.24	938.08
Current Portion of Leases	-	0.31	-	-	-
Accrued Interest Payable	-	1.59	0.86	0.16	0.15
Long-Term Debt	-	10	10	10	10
Long-Term Leases	-	0.96	-	-	-
Pension & Post-Retirement Benefits	-	0.66	1.86	0.97	-
Other Long-Term Liabilities	4.51	1.18	2.96	2.56	5.27
Total Liabilities	975.82	965.61	948.12	912.92	953.5
Common Stock	11.96	6.5	6.46	6.41	6.39
Additional Paid-In Capital	-	12.21	11.95	11.67	11.48
Retained Earnings	77.45	69.04	62.07	54.61	47.7
Comprehensive Income & Other	-	-9.36	-12.08	-15.69	-3.2
Shareholders' Equity	89.41	78.39	68.41	57.01	62.37
Total Liabilities & Equity	1,065	1,044	1,017	969.93	1,016
Total Debt	-	11.27	10	10	10
Net Cash (Debt)	122.26	97.2	77.84	26.77	288.85
Net Cash Growth	25.79%	24.87%	190.76%	-90.73%	43.66%
Net Cash Per Share	55.05	43.94	35.47	12.28	133.09
Filing Date Shares Outstanding	2.23	2.22	2.21	2.18	2.17
Total Common Shares Outstanding	2.23	2.21	2.2	2.18	2.17
Book Value Per Share	40.18	35.43	31.12	26.17	28.74
Tangible Book Value	89.41	76.91	66.77	55.22	60.42
Tangible Book Value Per Share	40.18	34.77	30.38	25.35	27.84

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