SBT Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	878.18	577.97	379.8	411.68	998.5
Investment Securities	157.15	258.81	173.91	128.33	151.32
Mortgage-Backed Securities	185.37	170.08	174.97	186.49	160.41
Total Investments	342.52	428.9	348.89	314.82	311.73
Gross Loans	1,156	1,349	1,659	2,013	2,507
Allowance for Loan Losses	-20.81	-29.4	-45.46	-56.55	-72.39
Net Loans	1,135	1,320	1,613	1,956	2,434
Property, Plant & Equipment	15.12	16.88	21.1	25.61	27.74
Loans Held for Sale	-	-	7.73	64.99	22.28
Accrued Interest Receivable	8.59	8.51	7.83	7.7	10.99
Other Receivables	-	-	-	6.53	-
Long-Term Deferred Tax Assets	15.39	16.96	23.7	21.43	24.33
Other Long-Term Assets	23.36	28.3	22.02	44.88	61.17
Total Assets	2,437	2,416	2,445	2,877	3,914
Accrued Expenses	-	-	-	33.77	50.4
Interest Bearing Deposits	1,736	1,714	1,657	1,953	2,579
Institutional Deposits	296.86	255.22	243.86	244.87	487.34
Non-Interest Bearing Deposits	38.09	35.25	53.04	63.76	64.51
Total Deposits	2,071	2,004	1,954	2,262	3,131
Current Portion of Leases	4.02	-	-	-	-
Long-Term Debt	-	-	65.27	65.34	65.34
Federal Home Loan Bank Debt, Long-Term	-	50	50	150	318
Long-Term Leases	7.57	12.54	15.99	19.4	20.5
Other Long-Term Liabilities	20.07	21.76	46.81	2.95	9.7
Total Liabilities	2,103	2,088	2,132	2,533	3,594
Common Stock	84.32	84.32	83.3	82.16	80.81
Additional Paid-In Capital	19.05	16.66	14.81	14.12	13.54
Retained Earnings	244.1	241.96	234.05	248.24	224.85
Comprehensive Income & Other	-13.52	-15.22	-19.53	-0.9	0.39
Shareholders' Equity	333.96	327.72	312.63	343.63	319.59
Total Liabilities & Equity	2,437	2,416	2,445	2,877	3,914
Total Debt	11.59	62.54	131.26	234.74	403.84
Net Cash (Debt)	866.59	520.66	249.47	178.12	601.68
Net Cash Growth	66.44%	108.70%	40.06%	-70.40%	-
Net Cash Per Share	16.88	10.25	4.96	3.55	12.07
Filing Date Shares Outstanding	52.3	52.07	50.83	50.5	50
Total Common Shares Outstanding	52.31	52.07	50.8	50.46	49.98
Book Value Per Share	6.38	6.29	6.15	6.81	6.39
Tangible Book Value	333.96	327.72	312.63	343.63	319.59
Tangible Book Value Per Share	6.38	6.29	6.15	6.81	6.39

Updated Mar 14, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

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