Sound Financial Bancorp, Inc. (SFBC)

Sound Financial 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	148.93	49.69	57.84	183.59	193.83	43.37
Investment Securities	6.19	6.23	7.72	6.07	5.41	3.37
Mortgage-Backed Securities	3.98	4.22	4.69	2.35	4.81	5.94
Total Investments	10.17	10.45	12.41	8.42	10.22	9.31
Gross Loans	904.22	896.99	868.53	688.77	615.5	621.91
Allowance for Loan Losses	-8.59	-8.76	-7.6	-6.31	-6	-5.64
Other Adjustments to Gross Loans	-2.49	-2.51	-2.55	-2.37	-2.14	-2.02
Net Loans	893.15	885.72	858.38	680.09	607.36	614.25
Property, Plant & Equipment	8.59	9.74	10.62	11.63	12.99	14.41
Other Intangible Assets	-	0.04	0.07	0.1	0.13	0.16
Loans Held for Sale	0.07	0.6	-	3.09	11.6	1.06
Accrued Interest Receivable	3.71	3.45	3.08	2.22	2.25	2.21
Restricted Cash	-	-	-	-	-	12.4
Other Real Estate Owned & Foreclosed	0.12	0.58	0.66	0.66	0.59	0.58
Other Long-Term Assets	33.81	32.56	30.47	28.85	21.54	20.96
Total Assets	1,101	995.22	976.35	919.69	861.4	719.85
Interest Bearing Deposits	712.38	611.51	579.47	588.75	535.59	441.13
Institutional Deposits	88.1	88.3	56.1	19.1	79.9	78.3
Non-Interest Bearing Deposits	129.72	126.73	173.2	190.47	132.49	97.28
Total Deposits	930.2	826.54	808.76	798.32	747.98	616.72
Short-Term Borrowings	15	15	43	-	-	-
Current Portion of Long-Term Debt	-	-	-	-	-	7.5
Current Portion of Leases	0.99	1.1	-	-	-	1.11
Accrued Interest Payable	0.91	0.82	0.4	0.2	0.37	0.23
Long-Term Debt	11.75	11.72	11.68	11.63	11.59	-
Federal Home Loan Bank Debt, Long-Term	25	25	-	-	-	-
Long-Term Leases	3.09	3.72	5.45	6.24	7.13	6.91
Other Long-Term Liabilities	11.76	10.67	9.36	9.94	8.84	9.67
Total Liabilities	998.69	894.57	878.65	826.33	775.92	642.13
Common Stock	0.03	0.03	0.03	0.03	0.03	0.03
Additional Paid-In Capital	28.3	27.99	28	27.96	27.11	26.34
Retained Earnings	74.84	73.63	70.79	65.24	58.23	51.41
Comprehensive Income & Other	-0.92	-0.99	-1.12	0.14	0.13	-0.05
Shareholders' Equity	102.24	100.65	97.71	93.36	85.48	77.73
Total Liabilities & Equity	1,101	995.22	976.35	919.69	861.4	719.85
Total Debt	55.83	56.54	60.12	17.88	18.73	15.51
Net Cash (Debt)	93.1	-6.85	-2.29	165.71	175.1	27.86
Net Cash Growth	106.35%	-	-	-5.36%	528.51%	-
Net Cash Per Share	36.35	-2.65	-0.88	63.09	67.54	10.78
Filing Date Shares Outstanding	2.55	2.54	2.58	2.61	2.57	2.55
Total Common Shares Outstanding	2.55	2.53	2.57	2.6	2.56	2.53
Book Value Per Share	40.14	39.73	38.08	35.96	33.34	30.69
Tangible Book Value	102.24	100.62	97.64	93.26	85.36	77.57
Tangible Book Value Per Share	40.14	39.72	38.05	35.92	33.29	30.63

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