Citizens Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Interest Income on Loans	38.56	36.55	34.85	26.51	17.32	14.35
Interest Income on Investments	3.2	3.2	2.4	1.81	1.79	0.74
Total Interest Income	41.76	39.75	37.25	28.32	19.11	15.09
Interest Paid on Deposits	11.66	12.17	13.38	8.74	1.92	1.05
Interest Paid on Borrowings	1.15	1.15	2.24	1.68	0.77	0.17
Total Interest Expense	12.81	13.32	15.62	10.42	2.69	1.22
Net Interest Income	28.94	26.43	21.63	17.91	16.42	13.87
Net Interest Income Growth	19.57%	22.16%	20.80%	9.04%	18.41%	12.33%
Trust Income	0.54	0.54	0.5	0.58	0.5	0.37
Other Non-Interest Income	5.95	3.75	3.59	3.17	3	2.77
Total Non-Interest Income	6.71	4.5	4.34	4	3.6	3.64
Non-Interest Income Growth	50.98%	3.68%	8.60%	11.09%	-0.98%	-8.76%
Revenues Before Loan Losses	35.65	30.93	25.98	21.91	20.02	17.51
Provision for Loan Losses	2.67	2.02	2.21	1.2	0.55	0.5
Revenue	32.98	28.91	23.77	20.71	19.47	17.01
Revenue Growth	23.86%	21.66%	14.75%	6.35%	14.51%	11.30%
Salaries and Employee Benefits	8.3	8.3	7.67	7.09	5.9	5.41
Occupancy Expenses	0.96	0.96	0.68	0.58	0.55	0.52
Federal Deposit Insurance	0.33	0.33	0.48	0.32	0.3	0.09
Amortization of Goodwill & Intangibles	0.25	0.25	0.25	0.25	0.25	-
Selling, General & Administrative	3.39	3.39	3.18	2.75	2.49	2.45
Other Non-Interest Expense	4.07	2.13	1.86	1.77	1.58	1.13
Total Non-Interest Expense	17.85	15.91	14.24	12.91	11.24	9.71
EBT Excluding Unusual Items	15.13	13	9.52	7.8	8.23	7.29
Pretax Income	15.13	13	9.52	7.8	8.23	7.29
Income Tax Expense	2.93	2.82	1.98	1.56	1.69	1.5
Net Income	12.2	10.18	7.54	6.24	6.54	5.79
Net Income to Common	12.2	10.18	7.54	6.24	6.54	5.79
Net Income Growth	30.04%	34.95%	20.86%	-4.55%	12.88%	34.40%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change	-	0.34%	0.34%	0.44%	-0.16%	-0.19%
EPS (Basic)	6.80	5.69	4.23	3.51	3.70	3.27
EPS (Diluted)	6.80	5.69	4.23	3.51	3.70	3.27
EPS Growth	-	34.48%	20.46%	-4.98%	13.06%	34.66%
Dividend Per Share	1.090	1.020	0.910	0.840	0.800	0.680
Dividend Growth	12.37%	12.09%	8.33%	5.00%	17.65%	11.47%
Effective Tax Rate	19.38%	21.72%	20.80%	19.98%	20.57%	20.59%