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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	49.6	46.46	32.78	27.2	31.21	30.94
Interest Income on Investments	18.92	19.98	16.51	12.5	7.3	9.62
Total Interest Income	68.52	66.45	49.28	39.7	38.51	40.56
Interest Paid on Deposits	19.22	20.14	12.25	2.54	4.26	6.56
Interest Paid on Borrowings	12.35	11.69	7.15	2.25	0.76	0.87
Total Interest Expense	31.57	31.83	19.41	4.79	5.02	7.43
Net Interest Income	36.95	34.62	29.88	34.91	33.49	33.13
Net Interest Income Growth (YoY)	23.19%	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	-0.99	-2.56	-1.99	-	1.38	0.83
Other Non-Interest Income	5.83	6.1	6.67	6.8	6.95	6.28
Total Non-Interest Income	8.86	12.04	8.75	10.69	11.83	10.46
Non-Interest Income Growth (YoY)	-27.50%	37.57%	-18.19%	-9.62%	13.11%	11.55%
Revenues Before Loan Losses	45.81	46.66	38.63	45.6	45.33	43.59
Provision for Loan Losses	1.28	0.83	0.67	0.12	1.41	1.49
Revenue	44.53	45.82	37.96	45.48	43.92	42.11
Revenue Growth (YoY)	7.66%	20.73%	-16.54%	3.56%	4.29%	22.26%
Salaries and Employee Benefits	20.28	19.88	18.45	17.49	18.3	17.31
Selling, General & Administrative	7.18	7.73	8.54	8.18	7.87	8.17
Other Non-Interest Expense	11.93	11.31	9.19	8.46	8.27	7.72
Total Non-Interest Expense	39.39	38.92	36.18	34.17	35.35	33.43
EBT Excluding Unusual Items	5.14	6.91	1.78	11.31	8.57	8.68
Pretax Income	5.39	6.91	1.78	11.5	8.93	8.68
Income Tax Expense	0.92	1.42	-0.07	1.88	1.43	1.75
Net Income	4.47	5.49	1.85	9.62	7.49	6.93
Net Income to Common	4.47	5.49	1.85	9.62	7.49	6.93
Net Income Growth	24.85%	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)	0.22%	0.17%	0.15%	0.15%	0.08%	10.14%
EPS (Basic)	0.80	0.98	0.33	1.72	1.34	1.24
EPS (Diluted)	0.80	0.98	0.33	1.72	1.34	1.24
EPS Growth	24.65%	196.56%	-80.81%	28.36%	8.06%	6.39%
Dividend Per Share	0.500	0.640	0.720	0.960	0.960	0.960
Dividend Growth	-21.88%	-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.