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	Sep '26 Sep 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	40.01	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	43.21	39.75	37.25	28.32	19.11	15.09
Interest Paid on Deposits	11.56	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	12.71	13.32	15.62	10.42	2.69	1.22
Net Interest Income	30.49	26.43	21.63	17.91	16.42	13.87
Net Interest Income Growth	20.43%	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	6.22	3.75	3.59	3.17	3	2.77
Total Non-Interest Income	6.98	4.5	4.34	4	3.6	3.64
Non-Interest Income Growth	53.26%	3.68%	8.60%	11.09%	-0.98%	-8.76%
Revenues Before Loan Losses	37.47	30.93	25.98	21.91	20.02	17.51
Provision for Loan Losses	2.82	2.02	2.21	1.2	0.55	0.5
Revenue	34.65	28.91	23.77	20.71	19.47	17.01
Revenue Growth	23.92%	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	4.46	2.13	1.86	1.77	1.58	1.13
Total Non-Interest Expense	18.24	15.91	14.24	12.91	11.24	9.71
EBT Excluding Unusual Items	16.41	13	9.52	7.8	8.23	7.29
Pretax Income	16.41	13	9.52	7.8	8.23	7.29
Income Tax Expense	3.23	2.82	1.98	1.56	1.69	1.5
Net Income	13.18	10.18	7.54	6.24	6.54	5.79
Net Income to Common	13.18	10.18	7.54	6.24	6.54	5.79
Net Income Growth	31.21%	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	0.29%	0.34%	0.34%	0.44%	-0.16%	-0.19%
EPS (Basic)	7.35	5.69	4.23	3.51	3.70	3.27
EPS (Diluted)	7.35	5.69	4.23	3.51	3.70	3.27
EPS Growth	30.83%	34.48%	20.46%	-4.98%	13.06%	34.66%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
Dividend Per Share	1.140	1.020	0.910	0.840	0.800	0.680
Dividend Growth	14.00%	12.09%	8.33%	5.00%	17.65%	11.47%
Effective Tax Rate	19.71%	21.72%	20.80%	19.98%	20.57%	20.59%