Citizens Holding Company Balance Sheet

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
Cash & Equivalents	129.05	42.28	94.48	28.59	79.24	42.31
Investment Securities	531.59	176.08	190.42	201.19	232.24	116.77
Trading Asset Securities	-	0.06	0.87	-	-	-
Mortgage-Backed Securities	-	381.47	375.18	406.72	399.59	561.98
Total Investments	531.59	557.62	566.46	607.91	631.84	678.75
Gross Loans	831.2	766.13	642.03	585.59	571.85	652.26
Allowance for Loan Losses	-8.61	-6.95	-6.55	-5.26	-4.51	-4.74
Other Adjustments to Gross Loans	-	-1.26	-1.08	-0.28	-	-0
Net Loans	822.59	757.92	634.39	580.05	567.33	647.52
Property, Plant & Equipment	20.19	28.87	27.56	27.71	26.66	25.63
Goodwill	-	13.03	13.03	13.03	13.03	13.03
Other Intangible Assets	13.14	0.19	0.3	0.41	0.52	0.63
Accrued Interest Receivable	5.52	5.62	5.23	4.86	4.17	5.98
Long-Term Deferred Tax Assets	25.88	26.86	28.01	29.57	6.28	1.55
Other Real Estate Owned & Foreclosed	1.94	1.01	1.23	1.18	2.48	3.07
Other Long-Term Assets	43.3	34.11	31.7	28.62	28.88	31
Total Assets	1,593	1,470	1,405	1,324	1,361	1,451
Interest Bearing Deposits	899.29	742.36	846.32	782.92	740.92	747.81
Institutional Deposits	-	71	59.23	44.37	68.27	71.34
Non-Interest Bearing Deposits	283.07	257.99	264.53	299.11	302.71	276.03
Total Deposits	1,182	1,071	1,170	1,126	1,112	1,095
Short-Term Borrowings	313.48	311.65	158.09	127.57	112.76	221.27
Current Portion of Long-Term Debt	13.9	15.1	18	18	-	-
Current Portion of Leases	-	1.19	-	-	-	-
Accrued Interest Payable	-	1.51	1.24	0.73	0.33	0.52
Long-Term Debt	-	-	-	-	18	-
Long-Term Leases	-	7.7	-	-	-	-
Other Long-Term Liabilities	25.33	13.26	14.42	12	12.43	14.16
Total Liabilities	1,535	1,422	1,362	1,285	1,255	1,331
Common Stock	1.13	1.13	1.12	1.12	1.12	1.12
Additional Paid-In Capital	18.79	18.7	18.59	18.45	18.29	18.13
Retained Earnings	107.07	101.24	99.35	102.53	98.28	96.16
Comprehensive Income & Other	-68.84	-72.97	-76.29	-83.07	-11.8	4.14
Shareholders' Equity	58.14	48.09	42.77	39.03	105.9	119.55
Total Liabilities & Equity	1,593	1,470	1,405	1,324	1,361	1,451
Total Debt	327.38	335.64	176.09	145.57	130.76	221.27
Net Cash (Debt)	-198.33	-293.3	-80.75	-116.98	-51.52	-178.96
Net Cash Per Share	-35.27	-52.28	-14.42	-20.92	-9.23	-32.07
Filing Date Shares Outstanding	5.65	5.64	5.62	5.61	5.59	5.59
Total Common Shares Outstanding	5.65	5.64	5.62	5.6	5.6	5.59
Book Value Per Share	10.28	8.53	7.62	6.96	18.93	21.40
Tangible Book Value	45	34.86	29.44	25.58	92.35	105.89
Tangible Book Value Per Share	7.96	6.18	5.24	4.57	16.50	18.95

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