Citizens Holding Company (CIZN)

Citizens Holding Company Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	52.3	46.46	32.78	27.2	31.21	30.94
Interest Income on Investments	17.26	19.98	16.51	12.5	7.3	9.62
Total Interest Income	69.56	66.45	49.28	39.7	38.51	40.56
Interest Paid on Deposits	18.59	20.14	12.25	2.54	4.26	6.56
Interest Paid on Borrowings	11.94	11.69	7.15	2.25	0.76	0.87
Total Interest Expense	30.53	31.83	19.41	4.79	5.02	7.43
Net Interest Income	39.03	34.62	29.88	34.91	33.49	33.13
Net Interest Income Growth (YoY)	25.11%	15.88%	-14.41%	4.23%	1.09%	29.23%
Gain (Loss) on Sale of Assets	4.54	4.54	0.28	-	-	-
Gain (Loss) on Sale of Investments	-0.99	-2.56	-1.99	-	1.38	0.83
Other Non-Interest Income	1.58	6.1	6.67	6.8	6.95	6.28
Total Non-Interest Income	9.18	12.04	8.75	10.69	11.83	10.46
Non-Interest Income Growth (YoY)	-26.49%	37.57%	-18.19%	-9.62%	13.11%	11.55%
Revenues Before Loan Losses	48.2	46.66	38.63	45.6	45.33	43.59
Provision for Loan Losses	1.47	0.83	0.67	0.12	1.41	1.49
Revenue	46.73	45.82	37.96	45.48	43.92	42.11
Revenue Growth (YoY)	8.72%	20.73%	-16.54%	3.56%	4.29%	22.26%
Salaries and Employee Benefits	20.68	19.88	18.45	17.49	18.3	17.31
Selling, General & Administrative	6.03	7.73	8.54	8.18	7.87	8.17
Other Non-Interest Expense	13.59	11.31	9.19	8.46	8.27	7.72
Total Non-Interest Expense	40.3	38.92	36.18	34.17	35.35	33.43
EBT Excluding Unusual Items	6.43	6.91	1.78	11.31	8.57	8.68
Pretax Income	6.43	6.91	1.78	11.5	8.93	8.68
Income Tax Expense	1.1	1.42	-0.07	1.88	1.43	1.75
Net Income	5.34	5.49	1.85	9.62	7.49	6.93
Net Income to Common	5.34	5.49	1.85	9.62	7.49	6.93
Net Income Growth	24.97%	196.12%	-80.73%	28.37%	8.12%	17.44%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	0.21%	0.17%	0.15%	0.15%	0.08%	10.14%
EPS (Basic)	0.95	0.98	0.33	1.72	1.34	1.24
EPS (Diluted)	0.95	0.98	0.33	1.72	1.34	1.24
EPS Growth	24.93%	196.56%	-80.81%	28.36%	8.06%	6.39%
Dividend Per Share	0.360	0.640	0.720	0.960	0.960	0.960
Dividend Growth	-43.75%	-11.11%	-25.00%	-	-	-
Effective Tax Rate	17.05%	20.54%	-	16.36%	16.03%	20.18%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.