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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Interest Income on Loans	59.58	56.4	46.46	32.78	27.2	31.21
Interest Income on Investments	12.42	15.14	19.98	16.51	12.5	7.3
Total Interest Income	72	71.53	66.45	49.28	39.7	38.51
Interest Paid on Deposits	22.28	19.24	20.14	12.25	2.54	4.26
Interest Paid on Borrowings	3.74	9.15	11.69	7.15	2.25	0.76
Total Interest Expense	26.02	28.39	31.83	19.41	4.79	5.02
Net Interest Income	45.98	43.15	34.62	29.88	34.91	33.49
Net Interest Income Growth	12.04%	24.62%	15.88%	-14.41%	4.23%	1.09%
Gain (Loss) on Sale of Assets	4.36	-	4.54	0.28	-	-
Gain (Loss) on Sale of Investments	-0.05	-0.01	-2.56	-1.99	-	1.38
Other Non-Interest Income	7.2	6.73	6.1	6.67	6.8	6.95
Total Non-Interest Income	16.01	11.11	12.04	8.75	10.69	11.83
Non-Interest Income Growth	45.96%	-7.65%	37.57%	-18.19%	-9.62%	13.11%
Revenues Before Loan Losses	61.98	54.26	46.66	38.63	45.6	45.33
Provision for Loan Losses	3.38	2.26	0.83	0.67	0.12	1.41
Revenue	58.61	52	45.82	37.96	45.48	43.92
Revenue Growth	17.26%	13.48%	20.73%	-16.54%	3.56%	4.29%
Salaries and Employee Benefits	22.93	21.69	19.88	18.45	17.49	18.3
Selling, General & Administrative	10.49	9.81	7.73	8.54	8.18	7.87
Other Non-Interest Expense	11.57	10.96	11.31	9.19	8.46	8.27
Total Non-Interest Expense	44.98	42.45	38.92	36.18	34.17	35.35
EBT Excluding Unusual Items	13.63	9.55	6.91	1.78	11.31	8.57
Pretax Income	13.63	9.55	6.91	1.78	11.5	8.93
Income Tax Expense	2.14	1.4	1.42	-0.07	1.88	1.43
Net Income	11.49	8.15	5.49	1.85	9.62	7.49
Net Income to Common	11.49	8.15	5.49	1.85	9.62	7.49
Net Income Growth	55.87%	48.41%	196.12%	-80.73%	28.37%	8.12%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change	1.68%	0.89%	0.17%	0.15%	0.15%	0.08%
EPS (Basic)	2.02	1.44	0.98	0.33	1.72	1.34
EPS (Diluted)	2.01	1.44	0.98	0.33	1.72	1.34
EPS Growth	53.06%	47.14%	196.56%	-80.81%	28.36%	8.06%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	-	0.040	0.640	0.720	0.960	0.960
Dividend Growth	-	-93.75%	-11.11%	-25.00%	0%	0%
Effective Tax Rate	15.67%	14.64%	20.54%	-	16.36%	16.03%