Citizens Bancorp (CZBC)

Citizens Bancorp Balance Sheet

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
Cash & Equivalents	16.79	48.25	162.17	155.73	115.32	196.07
Investment Securities	354.23	120.56	152.93	192.04	206.39	110.72
Mortgage-Backed Securities	-	205.56	241.38	271.6	345.66	203.21
Total Investments	354.23	326.13	394.31	463.64	552.05	313.93
Gross Loans	372.89	376.7	407.38	380.05	362.66	442.7
Allowance for Loan Losses	-5.93	-5.91	-5.61	-5.63	-8.05	-12.49
Other Adjustments to Gross Loans	-	-0.71	-0.97	-1.36	-1.49	-2.12
Net Loans	366.97	370.08	400.8	373.06	353.12	428.09
Property, Plant & Equipment	14.06	14.11	14.02	13.41	12.99	13.24
Loans Held for Sale	-	-	-	-	-	1
Accrued Interest Receivable	3.81	3.92	4.36	3.84	3.77	3.61
Long-Term Deferred Tax Assets	16.11	18.39	18.62	19.95	4.29	2.52
Other Real Estate Owned & Foreclosed	-	-	-	-	0.73	0.75
Other Long-Term Assets	26.56	26.62	25.43	24.25	23.82	23.45
Total Assets	798.51	807.49	1,020	1,055	1,067	983.61
Interest Bearing Deposits	692.41	334.94	374.84	499.4	465.23	448.33
Institutional Deposits	-	1.36	2.66	2.97	2.68	2.69
Non-Interest Bearing Deposits	-	370.69	374.81	453.36	448.54	382.33
Total Deposits	692.41	706.98	752.31	955.73	916.45	833.35
Short-Term Borrowings	16.39	14.49	18.68	28.48	43.93	42.56
Current Portion of Leases	-	0.24	-	-	-	-
Other Current Liabilities	-	1.9	2.07	2.52	3.28	2.15
Long-Term Debt	-	-	160	-	-	-
Long-Term Leases	-	0.84	0.9	1.05	0.6	0.71
Pension & Post-Retirement Benefits	-	7.21	6.8	6.3	5.67	5.16
Other Long-Term Liabilities	10.41	2.35	7.63	2.42	1.82	2.8
Total Liabilities	719.2	734.01	948.39	996.5	971.74	886.73
Preferred Stock, Non-Redeemable	1.93	1.93	1.93	1.93	1.93	2
Total Preferred Equity	1.93	1.93	1.93	1.93	1.93	2
Common Stock	45.54	45.2	44.85	45.34	44.78	44.32
Retained Earnings	64.16	63.65	62.25	58.44	51.86	44.93
Comprehensive Income & Other	-32.33	-37.3	-37.69	-47.06	-3.05	5.64
Total Common Equity	77.38	71.55	69.41	56.72	93.59	94.88
Shareholders' Equity	79.31	73.49	71.34	58.66	95.52	96.88
Total Liabilities & Equity	798.51	807.49	1,020	1,055	1,067	983.61
Total Debt	16.39	15.57	179.57	29.53	44.53	43.28
Net Cash (Debt)	33.72	32.69	-17.4	126.2	70.79	152.8
Net Cash Growth	-	-	-	78.27%	-53.67%	645.12%
Net Cash Per Share	6.05	5.82	-3.09	22.32	12.59	27.30
Filing Date Shares Outstanding	5.74	5.59	5.57	5.66	5.62	5.6
Total Common Shares Outstanding	5.74	5.59	5.57	5.66	5.62	5.6
Book Value Per Share	13.47	12.80	12.45	10.03	16.64	16.95
Tangible Book Value	77.38	71.55	69.41	56.72	93.59	94.88
Tangible Book Value Per Share	13.47	12.80	12.45	10.03	16.64	16.95

Updated Mar 19, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.