Citizens Bancorp of Virginia, Inc. (CZBT)

CZBT Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	18.39	16.99	14.16	12.06	13.29	13.08
Interest Income on Investments	8.13	7.85	8.81	6.13	1.96	2.44
Total Interest Income	26.52	24.84	22.97	18.19	15.26	15.52
Interest Paid on Deposits	4.49	4.19	2.62	0.99	1.2	1.58
Interest Paid on Borrowings	0.07	0.06	0.01	0.01	0.03	0.05
Total Interest Expense	4.56	4.25	2.63	1	1.23	1.62
Net Interest Income	21.96	20.59	20.34	17.19	14.03	13.89
Net Interest Income Growth (YoY)	7.96%	1.22%	18.35%	22.55%	0.96%	-3.65%
Gain (Loss) on Sale of Assets	-	-	-0.01	0	-	-
Gain (Loss) on Sale of Investments	-0	-0.01	0.05	0.72	-0	0.03
Other Non-Interest Income	2.19	1.94	2.2	2.24	2.26	1.91
Total Non-Interest Income	2.89	2.69	2.94	3.8	3.28	2.86
Non-Interest Income Growth (YoY)	9.68%	-8.50%	-22.75%	16.17%	14.61%	3.93%
Revenues Before Loan Losses	24.86	23.28	23.28	20.99	17.3	16.75
Provision for Loan Losses	0.41	0.36	0.21	-0.52	-0.27	0.4
Revenue	24.45	22.92	23.07	21.51	17.57	16.35
Revenue Growth (YoY)	7.79%	-0.67%	7.24%	22.47%	7.43%	-3.93%
Salaries and Employee Benefits	7.85	7.56	7.93	7.72	6.62	6.19
Federal Deposit Insurance	0.24	0.25	0.26	0.16	0.13	0.07
Selling, General & Administrative	1.82	1.84	1.75	1.69	1.73	1.31
Other Non-Interest Expense	2.95	2.67	2.74	2.34	2.32	2.84
Total Non-Interest Expense	12.83	12.27	12.59	11.35	10.61	10.2
EBT Excluding Unusual Items	11.61	10.65	10.48	10.16	6.96	6.15
Pretax Income	11.61	10.65	10.48	10.16	6.96	6.15
Income Tax Expense	2.22	2.08	1.99	2	1.33	1.13
Net Income	9.39	8.56	8.5	8.16	5.63	5.02
Net Income to Common	9.39	8.56	8.5	8.16	5.63	5.02
Net Income Growth	16.19%	0.79%	4.09%	45.05%	12.09%	-0.80%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	-0.68%	-0.37%	-0.18%	-0.36%	-0.89%	-0.97%
EPS (Basic)	4.46	4.05	4.00	3.83	2.63	2.33
EPS (Diluted)	4.46	4.05	4.00	3.83	2.63	2.33
EPS Growth	16.99%	1.17%	4.29%	45.58%	13.09%	0.17%
Dividend Per Share	1.130	1.100	1.070	1.020	0.990	0.960
Dividend Growth	3.67%	2.80%	4.90%	3.03%	3.13%	2.13%
Effective Tax Rate	19.16%	19.58%	18.95%	19.70%	19.14%	18.33%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.