Citizens Bancorp 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	Jun '26 Jun 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	21.49	21.53	22.45	21.99	18.14	20.47
Interest Income on Investments	9.56	9.33	13.77	15.6	11.8	6.8
Total Interest Income	31.05	30.86	36.22	37.59	29.94	27.27
Interest Paid on Deposits	3.95	3.7	2.91	1.84	0.42	0.41
Interest Paid on Borrowings	0.37	0.36	5.4	5.44	0.05	0.06
Total Interest Expense	4.32	4.06	8.3	7.28	0.46	0.46
Net Interest Income	26.73	26.8	27.91	30.3	29.48	26.81
Net Interest Income Growth	-1.21%	-3.99%	-7.89%	2.80%	9.97%	-1.89%
Mortgage Banking Activities	-	-	-	-	0.05	0.25
Other Non-Interest Income	2.12	2.1	2.02	2.12	2.44	2.32
Total Non-Interest Income	2.58	2.59	2.58	2.68	3.04	3.1
Non-Interest Income Growth	-0.66%	0.54%	-3.99%	-11.69%	-1.94%	0.39%
Revenues Before Loan Losses	29.31	29.39	30.49	32.99	32.52	29.9
Provision for Loan Losses	0.83	0.31	0.48	0.01	-2.55	-4.5
Revenue	28.48	29.08	30.01	32.98	35.07	34.4
Revenue Growth	-3.33%	-3.10%	-8.99%	-5.96%	1.92%	46.10%
Salaries and Employee Benefits	18.34	18.62	18.19	17.51	16.03	14.15
Occupancy Expenses	-0.03	-	-	1.76	-	-
Federal Deposit Insurance	0.34	0.34	0.44	0.44	0.3	0.28
Selling, General & Administrative	4.64	4.34	4	2.01	4.12	3.88
Other Non-Interest Expense	2.93	3.11	3.23	3.33	2.48	2.45
Total Non-Interest Expense	26.23	26.41	25.85	25.05	22.93	20.76
EBT Excluding Unusual Items	2.25	2.67	4.16	7.93	12.14	13.64
Pretax Income	2.25	2.67	4.16	7.93	12.14	13.64
Income Tax Expense	0.15	0.18	0.79	1.78	3.04	3.33
Net Income	2.11	2.49	3.37	6.15	9.1	10.32
Preferred Dividends & Other Adjustments	0.15	0.15	0.2	0.36	0.52	0.6
Net Income to Common	1.96	2.34	3.17	5.79	8.58	9.72
Net Income Growth	-27.19%	-26.25%	-45.23%	-32.47%	-11.70%	152.34%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change	-1.18%	0.21%	-0.45%	-0.31%	0.55%	0.49%
EPS (Basic)	0.35	0.42	0.57	1.03	1.52	1.73
EPS (Diluted)	0.35	0.42	0.57	1.03	1.52	1.73
EPS Growth	-26.32%	-26.40%	-44.98%	-32.26%	-12.19%	151.12%
Dividend Per Share	-	0.200	0.320	0.350	0.420	0.550
Dividend Growth	-	-37.50%	-8.57%	-16.67%	-23.64%	52.78%
Effective Tax Rate	6.44%	6.89%	18.92%	22.39%	25.02%	24.40%