Citizens Holding Company Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Cash & Equivalents	64.52	42.28	94.48	28.59	79.24
Investment Securities	504.74	176.08	190.42	201.19	232.24
Trading Asset Securities	-	0.06	0.87	-	-
Mortgage-Backed Securities	-	381.47	375.18	406.72	399.59
Total Investments	504.74	557.62	566.46	607.91	631.84
Gross Loans	841.14	766.13	642.03	585.59	571.85
Allowance for Loan Losses	-8.95	-6.95	-6.55	-5.26	-4.51
Other Adjustments to Gross Loans	-	-1.26	-1.08	-0.28	-
Net Loans	832.19	757.92	634.39	580.05	567.33
Property, Plant & Equipment	20.19	28.87	27.56	27.71	26.66
Goodwill	-	13.03	13.03	13.03	13.03
Other Intangible Assets	13.11	0.19	0.3	0.41	0.52
Accrued Interest Receivable	5.77	5.62	5.23	4.86	4.17
Long-Term Deferred Tax Assets	25.24	26.86	28.01	29.57	6.28
Other Real Estate Owned & Foreclosed	1.84	1.01	1.23	1.18	2.48
Other Long-Term Assets	43.71	34.11	31.7	28.62	28.88
Total Assets	1,511	1,470	1,405	1,324	1,361
Interest Bearing Deposits	1,052	742.36	846.32	782.92	740.92
Institutional Deposits	-	71	59.23	44.37	68.27
Non-Interest Bearing Deposits	285.29	257.99	264.53	299.11	302.71
Total Deposits	1,337	1,071	1,170	1,126	1,112
Short-Term Borrowings	74.22	311.65	158.09	127.57	112.76
Current Portion of Long-Term Debt	13.48	15.1	18	18	-
Current Portion of Leases	-	1.19	-	-	-
Accrued Interest Payable	-	1.51	1.24	0.73	0.33
Long-Term Debt	-	-	-	-	18
Long-Term Leases	-	7.7	-	-	-
Other Long-Term Liabilities	24.21	13.26	14.42	12	12.43
Total Liabilities	1,449	1,422	1,362	1,285	1,255
Common Stock	1.13	1.13	1.12	1.12	1.12
Additional Paid-In Capital	18.82	18.7	18.59	18.45	18.29
Retained Earnings	109.16	101.24	99.35	102.53	98.28
Comprehensive Income & Other	-66.98	-72.97	-76.29	-83.07	-11.8
Shareholders' Equity	62.13	48.09	42.77	39.03	105.9
Total Liabilities & Equity	1,511	1,470	1,405	1,324	1,361
Total Debt	87.7	335.64	176.09	145.57	130.76
Net Cash (Debt)	-23.18	-293.3	-80.75	-116.98	-51.52
Net Cash Per Share	-4.09	-52.28	-14.42	-20.92	-9.23
Filing Date Shares Outstanding	5.64	5.64	5.62	5.61	5.59
Total Common Shares Outstanding	5.64	5.64	5.62	5.6	5.6
Book Value Per Share	11.02	8.53	7.62	6.96	18.93
Tangible Book Value	49.02	34.86	29.44	25.58	92.35
Tangible Book Value Per Share	8.69	6.18	5.24	4.57	16.50

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