Citizens Bancshares Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	90.1	142.71	260.1	264.56	195.44
Investment Securities	66.73	88.91	86.82	32.1	22.4
Mortgage-Backed Securities	191.84	110.55	91.26	63.55	42.47
Total Investments	258.57	199.46	178.08	95.64	64.87
Gross Loans	418.2	378.72	340.86	284.76	287.5
Allowance for Loan Losses	-10.64	-7.57	-2.99	-3.01	-3.16
Net Loans	407.56	371.15	337.87	281.75	284.33
Property, Plant & Equipment	6.64	7.25	7.82	8.47	9.11
Goodwill	0.36	0.36	0.36	0.36	0.36
Other Real Estate Owned & Foreclosed	0.57	-	-	-	0.16
Other Long-Term Assets	36.1	24.71	22.9	18.13	17.64
Total Assets	799.9	745.64	807.14	668.92	571.93
Accrued Expenses	8.5	8.45	6.21	6.44	2.84
Interest Bearing Deposits	360.12	302.46	357.59	303.79	259.37
Institutional Deposits	11.25	10.49	18.37	59.01	55.73
Non-Interest Bearing Deposits	228.62	241.84	244.26	218.62	195.28
Total Deposits	599.99	554.8	620.21	581.42	510.38
Current Portion of Leases	0.41	-	0.39	-	-
Long-Term Debt	-	-	-	-	1.15
Federal Home Loan Bank Debt, Long-Term	0.04	0.06	3.09	0.11	0.13
Long-Term Leases	0.73	1.47	1.4	2.08	2.36
Other Long-Term Liabilities	3.97	3.93	3.68	3.42	3.17
Total Liabilities	613.64	568.71	634.97	593.48	520.03
Preferred Stock, Non-Redeemable	122.7	122.7	122.7	22	-
Total Preferred Equity	122.7	122.7	122.7	22	-
Common Stock	2.5	2.48	2.45	2.43	2.42
Additional Paid-In Capital	11.29	10.11	9.09	8.91	8.64
Retained Earnings	74.15	64.33	54.94	46.73	43.6
Treasury Stock	-12.56	-12.1	-4.51	-4.31	-4.09
Comprehensive Income & Other	-11.81	-10.59	-12.5	-0.32	1.33
Total Common Equity	63.57	54.23	49.47	53.44	51.9
Shareholders' Equity	186.27	176.93	172.17	75.44	51.9
Total Liabilities & Equity	799.9	745.64	807.14	668.92	571.93
Total Debt	1.18	1.54	4.88	2.19	3.64
Net Cash (Debt)	89.18	141.42	255.58	262.71	192.65
Net Cash Growth	-36.94%	-44.67%	-2.72%	36.37%	439.86%
Net Cash Per Share	47.96	71.75	125.34	129.98	94.00
Filing Date Shares Outstanding	1.79	1.92	1.98	1.98	1.98
Total Common Shares Outstanding	1.79	1.92	1.98	1.98	1.98
Book Value Per Share	35.55	28.29	24.97	27.04	26.19
Tangible Book Value	63.2	53.86	49.1	53.07	51.54
Tangible Book Value Per Share	35.35	28.10	24.78	26.86	26.01

Updated Mar 31, 2017. Source: S&P Global Market Intelligence. Banks template. Financial Sources.