Citizens Bancshares 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	100.8	90.1	142.71	260.1	264.56
Investment Securities	49.33	66.73	88.91	86.82	32.1
Mortgage-Backed Securities	229.58	191.84	110.55	91.26	63.55
Total Investments	278.91	258.57	199.46	178.08	95.64
Gross Loans	388.85	418.2	378.72	340.86	284.76
Allowance for Loan Losses	-8.73	-10.64	-7.57	-2.99	-3.01
Net Loans	380.12	407.56	371.15	337.87	281.75
Property, Plant & Equipment	5.73	6.64	7.25	7.82	8.47
Goodwill	0.36	0.36	0.36	0.36	0.36
Other Real Estate Owned & Foreclosed	0.83	0.57	-	-	-
Other Long-Term Assets	36.3	36.1	24.71	22.9	18.13
Total Assets	803.04	799.9	745.64	807.14	668.92
Accrued Expenses	7.14	8.5	8.45	6.21	6.44
Interest Bearing Deposits	387.69	360.12	302.46	357.59	303.79
Institutional Deposits	10.05	11.25	10.49	18.37	59.01
Non-Interest Bearing Deposits	192.64	228.62	241.84	244.26	218.62
Total Deposits	590.39	599.99	554.8	620.21	581.42
Current Portion of Long-Term Debt	0.02	-	-	-	-
Current Portion of Leases	0.42	-	-	0.39	-
Federal Home Loan Bank Debt, Long-Term	-	0.04	0.06	3.09	0.11
Long-Term Leases	0.36	1.14	1.47	1.4	2.08
Other Long-Term Liabilities	4.3	3.97	3.93	3.68	3.42
Total Liabilities	602.62	613.64	568.71	634.97	593.48
Preferred Stock, Non-Redeemable	127.7	122.7	122.7	122.7	22
Total Preferred Equity	127.7	122.7	122.7	122.7	22
Common Stock	2.52	2.5	2.48	2.45	2.43
Additional Paid-In Capital	12.56	11.29	10.11	9.09	8.91
Retained Earnings	80.57	74.15	64.33	54.94	46.73
Treasury Stock	-15.78	-12.56	-12.1	-4.51	-4.31
Comprehensive Income & Other	-7.15	-11.81	-10.59	-12.5	-0.32
Total Common Equity	72.72	63.57	54.23	49.47	53.44
Shareholders' Equity	200.42	186.27	176.93	172.17	75.44
Total Liabilities & Equity	803.04	799.9	745.64	807.14	668.92
Total Debt	0.79	1.18	1.54	4.88	2.19
Net Cash (Debt)	102.25	89.18	141.42	255.58	262.71
Net Cash Growth	14.66%	-36.94%	-44.67%	-2.72%	36.37%
Net Cash Per Share	55.64	47.96	71.75	125.34	129.98
Filing Date Shares Outstanding	1.75	1.79	1.92	1.98	1.98
Total Common Shares Outstanding	1.75	1.79	1.92	1.98	1.98
Book Value Per Share	41.47	35.55	28.29	24.97	27.04
Tangible Book Value	72.36	63.2	53.86	49.1	53.07
Tangible Book Value Per Share	41.26	35.35	28.10	24.78	26.86

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