Carver Bancorp, Inc. (CARV)

Carver Bancorp Balance Sheet

Financials in millions USD. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Cash & Equivalents	49.96	59.03	42.55	61.02	75.59	47.54
Investment Securities	27.52	30.21	26.4	34.02	43.09	32.52
Mortgage-Backed Securities	24.8	26.73	29.76	38.83	51.23	44.44
Total Investments	52.33	56.94	56.16	72.85	94.31	76.96
Gross Loans	610.88	622.88	597.9	579.5	483.55	428.73
Allowance for Loan Losses	-6.06	-5.87	-5.23	-5.62	-5.14	-4.95
Net Loans	604.82	617.01	592.67	573.88	478.41	423.79
Property, Plant & Equipment	11.05	12.41	15.49	17.41	19.96	22.99
Accrued Interest Receivable	2.47	3.66	1.91	2.41	2.64	2.05
Other Real Estate Owned & Foreclosed	0.05	0.05	0.12	0.06	0.06	0.12
Other Long-Term Assets	5.19	5.7	12.06	7.1	5.23	4.75
Total Assets	727.53	756.8	723.22	735.31	676.75	578.77
Interest Bearing Deposits	539.64	465.53	465.26	483.73	419.65	377.37
Institutional Deposits	-	79.46	25.77	36.92	26.39	53.96
Non-Interest Bearing Deposits	97.3	102.01	109.4	107.47	110.53	57.49
Total Deposits	636.94	647	600.43	628.12	556.56	488.82
Short-Term Borrowings	-	-	10	0	23.71	-
Current Portion of Long-Term Debt	19.84	28.03	-	-	-	-
Current Portion of Leases	0.76	2.77	-	-	-	-
Long-Term Debt	5	5	2.5	2.5	-	-
Federal Home Loan Bank Debt, Long-Term	-	-	25	-	-	-
Long-Term Leases	8.82	7.95	13.36	14.44	16.12	18.32
Trust Preferred Securities	13.4	13.4	13.4	13.4	13.4	13.4
Other Long-Term Liabilities	10.51	10.34	13.31	21.77	14.66	9.34
Total Liabilities	695.26	714.49	678	680.23	624.45	529.88
Preferred Stock, Redeemable	9	9	9	9	5	-
Preferred Stock, Convertible	12.73	12.73	16.38	16.93	20.78	45.12
Total Preferred Equity	21.73	21.73	25.38	25.93	25.78	45.12
Common Stock	0.08	0.08	0.07	0.07	0.06	0.06
Additional Paid-In Capital	87.88	87.66	82.81	82.17	75.2	55.48
Retained Earnings	-61.52	-51.55	-47.9	-43.5	-42.66	-52.29
Treasury Stock	-2.91	-2.91	-2.91	-2.91	-2.91	-0.41
Comprehensive Income & Other	-13	-12.71	-12.22	-6.66	-3.18	0.93
Total Common Equity	10.53	20.58	19.85	29.16	26.52	3.78
Shareholders' Equity	32.27	42.31	45.22	55.09	52.3	48.89
Total Liabilities & Equity	727.53	756.8	723.22	735.31	676.75	578.77
Total Debt	47.82	57.15	64.26	30.34	53.23	31.73
Net Cash (Debt)	2.14	1.87	-21.71	30.68	22.37	16.8
Net Cash Growth	-87.71%	-	-	37.15%	33.17%	55.49%
Net Cash Per Share	0.42	0.39	-5.08	8.55	6.55	4.54
Filing Date Shares Outstanding	5.11	5.09	4.44	4.24	3.47	3.7
Total Common Shares Outstanding	5.26	5.14	4.3	4.22	3.33	3.7
Book Value Per Share	2.00	4.00	4.62	6.91	7.96	1.02
Tangible Book Value	10.53	20.58	19.85	29.16	26.52	3.78
Tangible Book Value Per Share	2.00	4.00	4.62	6.91	7.96	1.02

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