Fsb Bancorp (FSBC) annual balance sheet covering fiscal 2015 through 2019, as reported to the SEC.
Total Assets have grown 6% a year on average since fiscal 2015, from $255.81M to $323.31M.
A balance sheet shows what a company owns and what it owes on a single date. The difference between the two belongs to shareholders.
| Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | ||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | ||||||||||||||||||||
Cash and due from banks | ||||||||||||||||||||
1,689 | 1,581 | 1,672 | 1,634 | 1,550 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Cash and due from banks | 1,689 | 1,581 | 1,672 | 1,634 | 1,550 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest-earning demand deposits | ||||||||||||||||||||
6,244 | 4,710 | 8,725 | 5,773 | 4,597 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest-earning demand deposits | 6,244 | 4,710 | 8,725 | 5,773 | 4,597 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total Cash and Cash Equivalents | ||||||||||||||||||||
7,933 | 6,291 | 10,397 | 7,407 | 6,147 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total Cash and Cash Equivalents | 7,933 | 6,291 | 10,397 | 7,407 | 6,147 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Securities available-for-sale, at fair value | ||||||||||||||||||||
18,126 | 18,331 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Securities available-for-sale, at fair value | 18,126 | 18,331 | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Available-for-sale securities, at fair value | ||||||||||||||||||||
- | - | 18,313 | 17,747 | 19,968 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Available-for-sale securities, at fair value | - | - | 18,313 | 17,747 | 19,968 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Securities held-to-maturity, at amortized cost (fair value of 2019 $5,297; 2018 $6,030) | ||||||||||||||||||||
5,166 | 6,052 | 6,575 | 7,420 | 12,979 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Securities held-to-maturity, at amortized cost (fair value of 2019 $5,297; 2018 $6,030) | 5,166 | 6,052 | 6,575 | 7,420 | 12,979 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Investment in restricted stock, at cost | ||||||||||||||||||||
2,757 | 3,637 | 3,270 | 2,886 | 2,388 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Investment in restricted stock, at cost | 2,757 | 3,637 | 3,270 | 2,886 | 2,388 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loans held for sale | ||||||||||||||||||||
2,194 | 2,133 | 2,770 | 2,059 | 3,880 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans held for sale | 2,194 | 2,133 | 2,770 | 2,059 | 3,880 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loans, net of allowance for loan losses (2019 $1,641; 2018 $1,561) | ||||||||||||||||||||
274,508 | 281,741 | 262,711 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans, net of allowance for loan losses (2019 $1,641; 2018 $1,561) | 274,508 | 281,741 | 262,711 | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Loans receivable, net | ||||||||||||||||||||
- | - | - | 226,192 | 201,830 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Loans receivable, net | - | - | - | 226,192 | 201,830 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Bank owned life insurance | ||||||||||||||||||||
3,877 | 3,819 | 3,758 | 3,696 | 3,629 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Bank owned life insurance | 3,877 | 3,819 | 3,758 | 3,696 | 3,629 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accrued interest receivable | ||||||||||||||||||||
807 | 876 | 824 | 652 | 655 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accrued interest receivable | 807 | 876 | 824 | 652 | 655 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Premises and equipment, net | ||||||||||||||||||||
2,439 | 2,731 | 3,064 | 3,175 | 2,744 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Premises and equipment, net | 2,439 | 2,731 | 3,064 | 3,175 | 2,744 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Operating lease right-of-use assets | ||||||||||||||||||||
2,123 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Operating lease right-of-use assets | 2,123 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Foreclosed real estate | ||||||||||||||||||||
730 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Foreclosed real estate | 730 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other assets | ||||||||||||||||||||
2,650 | 2,658 | 2,700 | 2,359 | 1,587 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other assets | 2,650 | 2,658 | 2,700 | 2,359 | 1,587 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total Assets | ||||||||||||||||||||
323,310 | 328,269 | 314,382 | 273,593 | 255,807 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total Assets | 323,310 | 328,269 | 314,382 | 273,593 | 255,807 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Liabilities and Stockholders' Equity | ||||||||||||||||||||
Liabilities | ||||||||||||||||||||
Deposits: | ||||||||||||||||||||
Non-interest-bearing | ||||||||||||||||||||
12,886 | 10,947 | 8,385 | 8,423 | 6,974 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Non-interest-bearing | 12,886 | 10,947 | 8,385 | 8,423 | 6,974 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Interest-bearing | ||||||||||||||||||||
222,674 | 211,668 | 208,306 | 174,511 | 178,587 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Interest-bearing | 222,674 | 211,668 | 208,306 | 174,511 | 178,587 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total Deposits | ||||||||||||||||||||
235,560 | 222,615 | 216,691 | 182,934 | 185,561 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total Deposits | 235,560 | 222,615 | 216,691 | 182,934 | 185,561 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Short-term borrowings | ||||||||||||||||||||
1,000 | 13,750 | 13,000 | 6,000 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Short-term borrowings | 1,000 | 13,750 | 13,000 | 6,000 | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Long-term borrowings | ||||||||||||||||||||
50,735 | 58,076 | 51,447 | 50,813 | 46,092 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Long-term borrowings | 50,735 | 58,076 | 51,447 | 50,813 | 46,092 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Official bank checks | ||||||||||||||||||||
519 | 863 | 929 | 318 | 1,114 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Official bank checks | 519 | 863 | 929 | 318 | 1,114 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Operating lease liabilities | ||||||||||||||||||||
2,322 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Operating lease liabilities | 2,322 | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Other liabilities | ||||||||||||||||||||
1,630 | 1,452 | 1,259 | 1,753 | 1,280 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Other liabilities | 1,630 | 1,452 | 1,259 | 1,753 | 1,280 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total Liabilities | ||||||||||||||||||||
291,766 | 296,756 | 283,326 | 241,818 | 234,047 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total Liabilities | 291,766 | 296,756 | 283,326 | 241,818 | 234,047 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Stockholders' Equity | ||||||||||||||||||||
Preferred stock - par value $0.01; 25,000,000 shares authorized, no shares issued and outstanding | ||||||||||||||||||||
- | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Preferred stock - par value $0.01; 25,000,000 shares authorized, no shares issued and outstanding | - | - | - | - | - | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Common stock, par value $0.01; 50,000,000 authorized shares; 1,940,661 shares issued and outstanding | ||||||||||||||||||||
19 | 19 | 19 | 19 | 179 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Common stock, par value $0.01; 50,000,000 authorized shares; 1,940,661 shares issued and outstanding | 19 | 19 | 19 | 19 | 179 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Paid-in capital | ||||||||||||||||||||
16,081 | 15,746 | 15,441 | 16,352 | 7,239 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Paid-in capital | 16,081 | 15,746 | 15,441 | 16,352 | 7,239 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Retained earnings | ||||||||||||||||||||
15,699 | 16,212 | 16,077 | 15,839 | 14,985 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Retained earnings | 15,699 | 16,212 | 16,077 | 15,839 | 14,985 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Accumulated other comprehensive loss | ||||||||||||||||||||
-9 | -183 | -165 | -85 | -212 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Accumulated other comprehensive loss | -9 | -183 | -165 | -85 | -212 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Treasury stock at cost, 2016-0 shares, 2015-5,528 shares | ||||||||||||||||||||
- | - | - | - | 46 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Treasury stock at cost, 2016-0 shares, 2015-5,528 shares | - | - | - | - | 46 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Unearned ESOP shares, at cost | ||||||||||||||||||||
246 | 281 | 316 | 350 | 385 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Unearned ESOP shares, at cost | 246 | 281 | 316 | 350 | 385 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total Stockholders' Equity | ||||||||||||||||||||
31,544 | 31,513 | 31,056 | 31,775 | 21,760 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total Stockholders' Equity | 31,544 | 31,513 | 31,056 | 31,775 | 21,760 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||
Total Liabilities and Stockholders' Equity | ||||||||||||||||||||
323,310 | 328,269 | 314,382 | 273,593 | 255,807 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | ||||||
Total Liabilities and Stockholders' Equity | 323,310 | 328,269 | 314,382 | 273,593 | 255,807 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | |||||