Penns Woods Bancorp, Inc. (PWOD)

Penns Woods Bancorp Balance Sheet

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	39.69	37.46	40.33	263.86	213.36	48.59
Investment Securities	167.2	184.53	202.19	170.56	165.35	144.91
Trading Asset Securities	-	-	-	-	0.04	0.05
Mortgage-Backed Securities	38.38	15.36	1.28	1.75	2.14	4.97
Total Investments	205.58	199.88	203.47	172.31	167.53	149.93
Gross Loans	1,875	1,840	1,640	1,392	1,344	1,356
Allowance for Loan Losses	-11.59	-11.45	-15.64	-14.18	-13.8	-11.89
Net Loans	1,864	1,828	1,624	1,378	1,331	1,344
Property, Plant & Equipment	30.84	32.76	34.5	36.88	35.84	37.08
Goodwill	16.45	16.45	16.45	17.1	17.1	17.1
Other Intangible Assets	0.13	0.21	0.33	0.48	0.67	0.9
Loans Held for Sale	8.97	3.99	3.3	3.73	5.24	4.23
Accrued Interest Receivable	11.43	11.04	9.48	8.05	8.39	5.25
Long-Term Deferred Tax Assets	3.03	4.66	6.87	2.95	2.53	3.34
Other Real Estate Owned & Foreclosed	0.08	0.85	0.08	0.08	0.4	0.41
Other Long-Term Assets	79.46	69.18	61.18	57.41	53.06	54.84
Total Assets	2,259	2,205	2,000	1,941	1,835	1,665
Interest Bearing Deposits	1,247	1,098	1,006	1,073	1,005	918.3
Institutional Deposits	-	20.22	31.5	54.34	40.24	70.96
Non-Interest Bearing Deposits	452.92	471.17	519.06	494.36	449.36	334.75
Total Deposits	1,700	1,589	1,556	1,621	1,494	1,324
Short-Term Borrowings	78.31	145.93	153.35	5.75	5.24	4.92
Current Portion of Long-Term Debt	-	40	40	23	30	43.33
Current Portion of Leases	-	0.68	-	-	-	-
Accrued Interest Payable	5.51	3.81	0.6	0.65	1.11	1.67
Federal Home Loan Bank Debt, Long-Term	245.83	205	55	95	118	113
Long-Term Leases	9.62	9.49	10.49	10.86	8.65	9.76
Other Long-Term Liabilities	15.98	18.85	16.51	11.96	13.05	13.66
Total Liabilities	2,056	2,013	1,832	1,769	1,670	1,510
Common Stock	44.8	44.55	42.04	41.95	41.85	41.78
Additional Paid-In Capital	62.99	61.73	54.25	53.8	52.52	51.49
Retained Earnings	114.01	107.24	98.15	89.76	82.77	76.58
Treasury Stock	-12.82	-12.82	-12.82	-12.12	-12.12	-12.12
Comprehensive Income & Other	-5.29	-9.15	-13.96	-1.11	-0.88	-2.78
Total Common Equity	203.69	191.56	167.67	172.27	164.14	154.96
Minority Interest	-	-	-	-	0	0.02
Shareholders' Equity	203.69	191.56	167.67	172.27	164.15	154.98
Total Liabilities & Equity	2,259	2,205	2,000	1,941	1,835	1,665
Total Debt	333.75	401.09	258.84	134.61	161.89	171.01
Net Cash (Debt)	-294.06	-363.63	-218.51	129.25	51.5	-122.37
Net Cash Growth	-	-	-	150.96%	-	-
Net Cash Per Share	-39.41	-51.13	-30.95	18.30	7.31	-17.20
Filing Date Shares Outstanding	7.54	7.51	7.06	7.07	7.06	7.04
Total Common Shares Outstanding	7.55	7.51	7.06	7.07	7.05	7.04
Book Value Per Share	26.96	25.51	23.76	24.37	23.27	22.01
Tangible Book Value	187.11	174.9	150.89	154.69	146.37	136.96
Tangible Book Value Per Share	24.77	23.29	21.38	21.88	20.75	19.45

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