CZBT Balance Sheet

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
Cash & Equivalents	46.78	55.51	27.66	47.34	82.75	82.76
Investment Securities	212.03	125.31	147.42	147.96	149.16	179.83
Mortgage-Backed Securities	-	87.67	77.55	78.18	86.41	66.74
Total Investments	212.03	212.98	224.97	226.14	235.57	246.57
Gross Loans	288.48	280.61	270.33	252.67	224.58	213.1
Allowance for Loan Losses	-3.69	-3.58	-3.33	-2.97	-2.24	-2.76
Other Adjustments to Gross Loans	-	-0.59	-0.56	-0.42	-0.28	-0.33
Net Loans	284.8	276.43	266.44	249.28	222.06	210
Property, Plant & Equipment	7.92	7.75	7.69	7.75	8.19	8.54
Accrued Interest Receivable	3.05	2.77	2.57	2.24	2.1	1.53
Long-Term Deferred Tax Assets	-	1.69	3.31	3.73	4.59	0.65
Other Real Estate Owned & Foreclosed	0.25	0.25	0.53	0.63	1.12	2.1
Other Long-Term Assets	23	21.46	19.53	17.23	17.63	14.78
Total Assets	577.83	578.85	552.7	554.34	574	566.93
Accrued Expenses	3.85	2.8	2.69	3.74	2.97	3.35
Interest Bearing Deposits	361.38	316.43	306.67	319.24	348.77	342.46
Institutional Deposits	-	58.13	56.15	51.37	33.78	31.99
Non-Interest Bearing Deposits	123.17	112.28	108.93	113.42	129.92	121.38
Total Deposits	484.54	486.84	471.75	484.03	512.48	495.83
Short-Term Borrowings	4.99	8.07	10.12	5.63	8.5	7.55
Accrued Interest Payable	1.04	1.06	1.37	1.24	0.21	0.22
Other Long-Term Liabilities	-	0.1	0.1	-	-	-
Total Liabilities	494.43	498.88	486.04	494.65	524.16	506.96
Common Stock	1.05	1.05	1.05	1.06	1.06	1.07
Retained Earnings	89.95	85.38	78.27	72.44	66.72	60.86
Comprehensive Income & Other	-7.6	-6.47	-12.65	-13.81	-17.94	-1.95
Shareholders' Equity	83.4	79.97	66.67	59.69	49.84	59.98
Total Liabilities & Equity	577.83	578.85	552.7	554.34	574	566.93
Total Debt	4.99	8.07	10.12	5.63	8.5	7.55
Net Cash (Debt)	42.21	47.77	17.83	41.7	74.25	75.22
Net Cash Growth	22.36%	167.92%	-57.25%	-43.83%	-1.28%	67.04%
Net Cash Per Share	20.05	22.68	8.42	19.63	34.89	35.22
Filing Date Shares Outstanding	2.1	2.1	2.11	2.12	2.13	2.13
Total Common Shares Outstanding	2.1	2.1	2.11	2.12	2.13	2.13
Book Value Per Share	39.64	38.01	31.63	28.11	23.45	28.15
Tangible Book Value	83.4	79.97	66.67	59.69	49.84	59.98
Tangible Book Value Per Share	39.64	38.01	31.63	28.11	23.45	28.15