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	Mar '26 Mar 31, 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	61.84	55.51	27.66	47.34	82.75	82.76
Investment Securities	206.79	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	206.79	212.98	224.97	226.14	235.57	246.57
Gross Loans	283.85	280.61	270.33	252.67	224.58	213.1
Allowance for Loan Losses	-3.64	-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	280.21	276.43	266.44	249.28	222.06	210
Property, Plant & Equipment	7.95	7.75	7.69	7.75	8.19	8.54
Accrued Interest Receivable	2.73	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	23.72	21.46	19.53	17.23	17.63	14.78
Total Assets	583.49	578.85	552.7	554.34	574	566.93
Accrued Expenses	3.93	2.8	2.69	3.74	2.97	3.35
Interest Bearing Deposits	372.09	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	119.96	112.28	108.93	113.42	129.92	121.38
Total Deposits	492.05	486.84	471.75	484.03	512.48	495.83
Short-Term Borrowings	5.42	8.07	10.12	5.63	8.5	7.55
Accrued Interest Payable	1.1	1.06	1.37	1.24	0.21	0.22
Other Long-Term Liabilities	-	0.1	0.1	-	-	-
Total Liabilities	502.49	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	87.36	85.38	78.27	72.44	66.72	60.86
Comprehensive Income & Other	-7.41	-6.47	-12.65	-13.81	-17.94	-1.95
Shareholders' Equity	81	79.97	66.67	59.69	49.84	59.98
Total Liabilities & Equity	583.49	578.85	552.7	554.34	574	566.93
Total Debt	5.42	8.07	10.12	5.63	8.5	7.55
Net Cash (Debt)	56.73	47.77	17.83	41.7	74.25	75.22
Net Cash Growth	38.45%	167.92%	-57.25%	-43.83%	-1.28%	67.04%
Net Cash Per Share	26.95	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	38.50	38.01	31.63	28.11	23.45	28.15
Tangible Book Value	81	79.97	66.67	59.69	49.84	59.98
Tangible Book Value Per Share	38.50	38.01	31.63	28.11	23.45	28.15

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