CZBT 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	55.51	27.95	47.34	82.75	82.76
Investment Securities	212.98	147.13	147.96	149.16	179.83
Mortgage-Backed Securities	-	77.55	78.18	86.41	66.74
Total Investments	212.98	224.68	226.14	235.57	246.57
Gross Loans	280.01	270.33	252.67	224.58	213.1
Allowance for Loan Losses	-3.58	-3.33	-2.97	-2.24	-2.76
Other Adjustments to Gross Loans	-	-0.56	-0.42	-0.28	-0.33
Net Loans	276.43	266.44	249.28	222.06	210
Property, Plant & Equipment	7.75	7.69	7.75	8.19	8.54
Accrued Interest Receivable	2.77	2.57	2.24	2.1	1.53
Long-Term Deferred Tax Assets	-	3.31	3.73	4.59	0.65
Other Real Estate Owned & Foreclosed	0.25	0.53	0.63	1.12	2.1
Other Long-Term Assets	22.87	19.53	17.23	17.63	14.78
Total Assets	578.57	552.7	554.34	574	566.93
Accrued Expenses	2.63	2.69	3.74	2.97	3.35
Interest Bearing Deposits	374.56	306.67	319.24	348.77	342.46
Institutional Deposits	-	56.15	51.37	33.78	31.99
Non-Interest Bearing Deposits	112.28	108.93	113.42	129.92	121.38
Total Deposits	486.84	471.75	484.03	512.48	495.83
Short-Term Borrowings	8.07	10.12	5.63	8.5	7.55
Accrued Interest Payable	1.06	1.37	1.24	0.21	0.22
Other Long-Term Liabilities	-	0.1	-	-	-
Total Liabilities	498.6	486.04	494.65	524.16	506.96
Common Stock	1.05	1.05	1.06	1.06	1.07
Retained Earnings	85.38	78.27	72.44	66.72	60.86
Comprehensive Income & Other	-6.47	-12.65	-13.81	-17.94	-1.95
Shareholders' Equity	79.97	66.67	59.69	49.84	59.98
Total Liabilities & Equity	578.57	552.7	554.34	574	566.93
Total Debt	8.07	10.12	5.63	8.5	7.55
Net Cash (Debt)	47.77	17.83	41.7	74.25	75.22
Net Cash Growth	167.91%	-57.25%	-43.83%	-1.28%	67.04%
Net Cash Per Share	22.66	8.42	19.63	34.89	35.22
Filing Date Shares Outstanding	2.1	2.11	2.12	2.13	2.13
Total Common Shares Outstanding	2.1	2.11	2.12	2.13	2.13
Book Value Per Share	38.01	31.63	28.11	23.45	28.15
Tangible Book Value	79.97	66.67	59.69	49.84	59.98
Tangible Book Value Per Share	38.01	31.63	28.11	23.45	28.15

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.