Primary Bank Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	95.1	91.33	65.08	153.92	130.2
Investment Securities	1	-	-	-	-
Mortgage-Backed Securities	8.55	9.25	9.81	10.74	1.19
Total Investments	9.55	9.25	9.81	10.74	1.19
Gross Loans	600.74	590.29	577.28	503.64	435.19
Allowance for Loan Losses	-5.86	-6.04	-7.11	-5.71	-4.02
Other Adjustments to Gross Loans	-	-	-	-	-1.98
Net Loans	594.88	584.25	570.17	497.93	429.2
Property, Plant & Equipment	2.45	2.93	2.82	3.32	2
Accrued Interest Receivable	1.96	2.06	1.49	1.12	1.81
Long-Term Deferred Tax Assets	1.66	1.53	1.51	1.26	0.84
Other Real Estate Owned & Foreclosed	1	-	-	-	-
Other Long-Term Assets	1.96	2.31	2.58	2.37	0.23
Total Assets	708.97	694	654.19	670.78	565.56
Accrued Expenses	3.69	2.93	1.56	1.1	1.37
Interest Bearing Deposits	137.47	141.84	118.55	124.14	145.64
Institutional Deposits	81.58	83.73	28.79	23.68	25.74
Non-Interest Bearing Deposits	384.6	375.21	417.24	456	338.58
Total Deposits	603.65	600.78	564.58	603.81	509.97
Short-Term Borrowings	-	-	10	-	-
Current Portion of Leases	0.33	-	-	-	-
Long-Term Leases	1.42	2.02	1.75	2.02	1.12
Total Liabilities	609.09	605.73	577.89	606.93	512.46
Common Stock	0.05	0.05	0.05	0.04	0.04
Additional Paid-In Capital	57.58	56.83	55.05	53.25	50.9
Retained Earnings	42.25	31.64	21.21	10.55	2.16
Treasury Stock	-	-0.26	-	-	-
Shareholders' Equity	99.88	88.26	76.31	63.85	53.1
Total Liabilities & Equity	708.97	694	654.19	670.78	565.56
Total Debt	1.76	2.02	11.75	2.02	1.12
Net Cash (Debt)	93.35	89.31	53.33	151.9	129.08
Net Cash Growth	4.52%	67.45%	-64.89%	17.68%	123.81%
Net Cash Per Share	19.30	18.70	11.14	33.10	30.48
Filing Date Shares Outstanding	4.72	4.65	4.6	4.5	4.39
Total Common Shares Outstanding	4.72	4.65	4.6	4.5	4.39
Book Value Per Share	21.15	19.00	16.60	14.20	12.10
Tangible Book Value	99.88	88.26	76.31	63.85	53.1
Tangible Book Value Per Share	21.15	19.00	16.60	14.20	12.10

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