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	90.31	120.36	174.56	185.69	57.96
Mortgage-Backed Securities	62.39	55.7	59.27	65.68	63
Total Investments	152.7	176.07	233.83	251.36	120.96
Gross Loans	740.33	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	-0.97	-0.81	-0.64	-0.57	-0.5
Net Loans	734.13	706.02	636.29	628.47	548.08
Property, Plant & Equipment	24.02	22.9	21.5	21.74	22.61
Goodwill	0.54	0.54	0.54	0.54	0.54
Other Intangible Assets	0.77	0.93	1.09	1.25	1.41
Accrued Interest Receivable	3.24	3.24	3.26	2.96	1.68
Long-Term Deferred Tax Assets	1.4	2.08	3.08	-	-
Other Long-Term Assets	25.42	23.26	28.66	26.56	21.56
Total Assets	1,065	1,044	1,017	969.93	1,016
Interest Bearing Deposits	668.72	660.88	641.78	604.47	587.87
Institutional Deposits	22.39	27.21	21.16	7.94	9
Non-Interest Bearing Deposits	280.2	262.83	269.5	286.83	341.2
Total Deposits	971.31	950.92	932.44	899.24	938.08
Current Portion of Leases	0.32	-	-	-	-
Accrued Interest Payable	1.27	1.59	0.86	0.16	0.15
Long-Term Debt	-	10	10	10	10
Long-Term Leases	0.64	-	-	-	-
Pension & Post-Retirement Benefits	0.55	0.51	1.86	0.97	-
Other Long-Term Liabilities	1.73	2.59	2.96	2.56	5.27
Total Liabilities	975.82	965.61	948.12	912.92	953.5
Common Stock	6.54	6.5	6.46	6.41	6.39
Additional Paid-In Capital	12.51	12.21	11.95	11.67	11.48
Retained Earnings	77.45	69.04	62.07	54.61	47.7
Comprehensive Income & Other	-7.09	-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	0.96	10	10	10	10
Net Cash (Debt)	121.55	98.46	77.84	26.77	288.85
Net Cash Growth	23.45%	26.50%	190.76%	-90.73%	43.66%
Net Cash Per Share	54.69	44.52	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	88.1	76.91	66.77	55.22	60.42
Tangible Book Value Per Share	39.59	34.77	30.38	25.35	27.84

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