ECB Bancorp Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	119.63	119.04	62.05	52.98	43.41
Investment Securities	31.87	32.54	31.03	25.76	25.84
Mortgage-Backed Securities	49.73	49.45	51.86	44.82	32.17
Total Investments	81.6	81.98	82.89	70.58	58.01
Gross Loans	1,124	1,049	893.13	521.8	471.29
Allowance for Loan Losses	-9.07	-8.59	-7.2	-4.24	-3.88
Other Adjustments to Gross Loans	-0.48	-0.23	-0.26	-0.43	-0.26
Net Loans	1,115	1,040	885.67	517.13	467.16
Property, Plant & Equipment	3.59	5.05	3.98	3.78	3.98
Loans Held for Sale	0.7	-	-	1.3	0.44
Accrued Interest Receivable	4.16	3.77	2.63	1.48	1.82
Long-Term Deferred Tax Assets	5.59	4.77	4.34	2.97	1.93
Other Long-Term Assets	17.89	16.05	15.6	15.18	9.46
Total Assets	1,358	1,280	1,064	666.49	587.63
Interest Bearing Deposits	870.27	369.97	302.75	316.24	303.17
Institutional Deposits	-	419.9	330.5	172.2	128.8
Non-Interest Bearing Deposits	74.06	78.34	84.9	83.31	59.43
Total Deposits	944.33	868.21	718.15	571.75	491.4
Current Portion of Long-Term Debt	-	30	55	-	13
Current Portion of Leases	-	0.19	-	-	-
Federal Home Loan Bank Debt, Long-Term	234	204	119	9	5
Long-Term Leases	-	1.15	0.28	-	-
Pension & Post-Retirement Benefits	-	1.88	1.85	2.23	2.36
Other Long-Term Liabilities	12.33	10.01	7.45	6.23	2.83
Total Liabilities	1,192	1,115	901.73	589.22	514.59
Common Stock	0.09	0.09	0.09	-	-
Additional Paid-In Capital	86.67	87.43	89.29	-	-
Retained Earnings	86.4	83.85	80.08	77.36	73.31
Comprehensive Income & Other	-7.11	-6.48	-6.72	-0.08	-0.28
Shareholders' Equity	166.05	164.9	162.73	77.27	73.03
Total Liabilities & Equity	1,358	1,280	1,064	666.49	587.63
Total Debt	235.25	235.34	174.28	9	18
Net Cash (Debt)	-115.42	-116.3	-111.93	43.98	25.41
Net Cash Growth	-	-	-	73.05%	-
Net Cash Per Share	-13.70	-13.64	-13.24	-	-
Filing Date Shares Outstanding	9.12	9.24	9.18	-	-
Total Common Shares Outstanding	9.15	9.29	9.18	-	-
Book Value Per Share	18.14	17.75	17.74	-	-
Tangible Book Value	166.05	164.9	162.73	77.27	73.03
Tangible Book Value Per Share	18.14	17.75	17.74	-	-

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