Citizens Holding Company Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	54.34	46.46	32.78	27.2	31.21	30.94
Interest Income on Investments	15.93	19.98	16.51	12.5	7.3	9.62
Total Interest Income	70.27	66.45	49.28	39.7	38.51	40.56
Interest Paid on Deposits	18.09	20.14	12.25	2.54	4.26	6.56
Interest Paid on Borrowings	11.15	11.69	7.15	2.25	0.76	0.87
Total Interest Expense	29.23	31.83	19.41	4.79	5.02	7.43
Net Interest Income	41.04	34.62	29.88	34.91	33.49	33.13
Net Interest Income Growth (YoY)	25.49%	15.88%	-14.41%	4.23%	1.09%	29.23%
Gain (Loss) on Sale of Assets	-	4.54	0.28	-	-	-
Gain (Loss) on Sale of Investments	-0	-2.56	-1.99	-	1.38	0.83
Other Non-Interest Income	6.72	6.1	6.67	6.8	6.95	6.28
Total Non-Interest Income	10.97	12.04	8.75	10.69	11.83	10.46
Non-Interest Income Growth (YoY)	5.06%	37.57%	-18.19%	-9.62%	13.11%	11.55%
Revenues Before Loan Losses	52	46.66	38.63	45.6	45.33	43.59
Provision for Loan Losses	2.02	0.83	0.67	0.12	1.41	1.49
Revenue	49.98	45.82	37.96	45.48	43.92	42.11
Revenue Growth (YoY)	17.49%	20.73%	-16.54%	3.56%	4.29%	22.26%
Salaries and Employee Benefits	21.18	19.88	18.45	17.49	18.3	17.31
Selling, General & Administrative	7.92	7.73	8.54	8.18	7.87	8.17
Other Non-Interest Expense	12.04	11.31	9.19	8.46	8.27	7.72
Total Non-Interest Expense	41.14	38.92	36.18	34.17	35.35	33.43
EBT Excluding Unusual Items	8.84	6.91	1.78	11.31	8.57	8.68
Pretax Income	8.84	6.91	1.78	11.5	8.93	8.68
Income Tax Expense	1.47	1.42	-0.07	1.88	1.43	1.75
Net Income	7.37	5.49	1.85	9.62	7.49	6.93
Net Income to Common	7.37	5.49	1.85	9.62	7.49	6.93
Net Income Growth	118.17%	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)	0.27%	0.17%	0.15%	0.15%	0.08%	10.14%
EPS (Basic)	1.31	0.98	0.33	1.72	1.34	1.24
EPS (Diluted)	0.90	0.98	0.33	1.72	1.34	1.24
EPS Growth	49.89%	196.56%	-80.81%	28.36%	8.06%	6.39%
Dividend Per Share	0.200	0.640	0.720	0.960	0.960	0.960
Dividend Growth	-68.75%	-11.11%	-25.00%	-	-	-
Effective Tax Rate	16.60%	20.54%	-	16.36%	16.03%	20.18%

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