FCF 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	103.28	133.41	146.99	154.24	395.37
Investment Securities	77.08	183.74	184.64	107.04	111.88
Trading Asset Securities	-	41.57	32.67	50.74	26.81
Mortgage-Backed Securities	1,572	1,435	1,333	1,136	1,487
Total Investments	1,649	1,661	1,551	1,293	1,626
Gross Loans	9,508	8,984	8,969	7,642	6,839
Allowance for Loan Losses	-125.77	-118.91	-117.72	-102.91	-92.52
Net Loans	9,382	8,865	8,851	7,539	6,747
Property, Plant & Equipment	-	116.11	121.02	115.11	120.78
Goodwill	-	363.72	363.72	303.33	303.33
Other Intangible Assets	400.23	14.86	18.73	6.19	8.69
Loans Held for Sale	271.45	51.99	29.82	11.87	18.58
Other Real Estate Owned & Foreclosed	2.73	0.9	0.42	0.53	0.64
Other Long-Term Assets	534.08	378.57	377.08	356.5	313.68
Total Assets	12,343	11,585	11,459	9,806	9,545
Interest Bearing Deposits	7,878	6,969	6,515	5,269	5,272
Institutional Deposits	-	459.9	288.8	65.5	51.7
Non-Interest Bearing Deposits	2,373	2,250	2,389	2,671	2,659
Total Deposits	10,251	9,678	9,192	8,005	7,982
Short-Term Borrowings	147.97	132.12	656	461.99	172.58
Current Portion of Long-Term Debt	-	0.8	0.77	0.74	0.71
Current Portion of Leases	-	5.52	-	-	-
Long-Term Debt	261.74	56.14	105.57	98.77	98.61
Federal Home Loan Bank Debt, Long-Term	-	129.55	3.35	4.12	4.86
Long-Term Leases	-	43.47	54.22	50.57	50.72
Trust Preferred Securities	-	72.17	72.17	72.17	72.17
Pension & Post-Retirement Benefits	-	0.51	0.56	0.71	0.99
Other Long-Term Liabilities	127.98	61.49	60.26	59.05	52.59
Total Liabilities	10,789	10,180	10,145	8,754	8,436
Common Stock	1,554	123.6	123.6	113.92	113.92
Additional Paid-In Capital	-	631.37	630.15	497.43	496.12
Retained Earnings	-	971.08	881.11	774.86	691.26
Treasury Stock	-	-218.37	-208.84	-196.44	-183.16
Comprehensive Income & Other	-	-102.51	-111.76	-137.69	-8.77
Shareholders' Equity	1,554	1,405	1,314	1,052	1,109
Total Liabilities & Equity	12,343	11,585	11,459	9,806	9,545
Total Debt	409.71	439.76	892.09	688.37	399.65
Net Cash (Debt)	-229.35	-264.78	-712.43	-483.38	22.53
Net Cash Per Share	-2.22	-2.59	-7.00	-5.15	0.24
Filing Date Shares Outstanding	102.5	101.45	101.93	102.76	94.01
Total Common Shares Outstanding	102.5	101.36	101.8	93.07	93.95
Book Value Per Share	15.16	13.86	12.91	11.30	11.81
Tangible Book Value	1,154	1,027	931.83	742.56	797.36
Tangible Book Value Per Share	11.26	10.13	9.15	7.98	8.49

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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