FMCB 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	144.86	212.56	410.64	588.26	715.46
Investment Securities	233.69	151.39	112.03	96.74	98.94
Trading Asset Securities	0.17	-	-	-	-
Mortgage-Backed Securities	1,497	1,141	903.27	916.63	924.11
Total Investments	1,731	1,293	1,015	1,013	1,023
Gross Loans	3,709	3,690	3,665	3,522	3,248
Allowance for Loan Losses	-76.38	-75.28	-74.97	-66.89	-61.01
Other Adjustments to Gross Loans	-59.95	-11.83	-10.71	-9.36	-10.73
Net Loans	3,573	3,603	3,580	3,445	3,176
Property, Plant & Equipment	57.45	53.57	54.61	52.88	51.78
Goodwill	11.18	11.18	11.18	11.18	11.18
Other Intangible Assets	1.17	1.69	2.24	2.81	3.4
Accrued Interest Receivable	30	30.15	28.52	21.6	18.1
Other Receivables	16.99	3.83	-	-	-
Long-Term Deferred Tax Assets	21.78	32.9	50.07	31.51	25.54
Other Real Estate Owned & Foreclosed	-	0.87	0.87	0.87	0.87
Other Long-Term Assets	103.54	127.58	155.77	159.45	152.16
Total Assets	5,690	5,370	5,309	5,327	5,178
Interest Bearing Deposits	2,937	2,796	2,867	2,872	2,721
Institutional Deposits	398.26	385.07	318.83	128.85	168.87
Non-Interest Bearing Deposits	1,642	1,518	1,483	1,759	1,750
Total Deposits	4,978	4,699	4,668	4,759	4,640
Short-Term Borrowings	0.18	-	-	-	-
Current Portion of Leases	0.74	-	-	-	-
Accrued Interest Payable	32.36	85.38	77.97	69.01	59.99
Long-Term Leases	0.92	2.3	2.8	3.5	4.13
Trust Preferred Securities	10.31	10.31	10.31	10.31	10.31
Pension & Post-Retirement Benefits	2.17	-	-	-	-
Other Long-Term Liabilities	20.1	-	-	-	-
Total Liabilities	5,045	4,797	4,759	4,842	4,715
Common Stock	0.01	0.01	0.01	0.01	0.01
Additional Paid-In Capital	11.55	-	36.85	57.21	77.52
Retained Earnings	669.26	592.43	525.36	449.93	387.33
Treasury Stock	-31.79	-	-	-	-
Comprehensive Income & Other	-3.51	-19.37	-12.46	-21.84	-1.72
Shareholders' Equity	645.51	573.07	549.76	485.31	463.14
Total Liabilities & Equity	5,690	5,370	5,309	5,327	5,178
Total Debt	12.14	12.61	13.11	13.81	14.44
Net Cash (Debt)	132.89	199.95	397.53	574.45	701.02
Net Cash Growth	-33.54%	-49.70%	-30.80%	-18.06%	90.18%
Net Cash Per Share	190.18	273.57	524.91	738.62	887.76
Filing Date Shares Outstanding	0.66	0.7	0.74	0.76	0.79
Total Common Shares Outstanding	0.67	0.7	0.75	0.77	0.79
Book Value Per Share	968.90	818.91	735.00	631.63	586.51
Tangible Book Value	633.17	560.2	536.34	471.32	448.55
Tangible Book Value Per Share	950.36	800.52	717.05	613.42	568.04

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