Citizens National Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	11.51	10.73	12.68	14.99	12.64
Investment Securities	139	136.88	179.48	273.55	236
Mortgage-Backed Securities	137.27	147.36	160.1	100.94	66.67
Total Investments	276.27	284.24	339.58	374.49	302.68
Gross Loans	322.73	313.81	292.48	337.6	376.92
Allowance for Loan Losses	-4.91	-4.88	-3.84	-3.66	-3.89
Other Adjustments to Gross Loans	-	-	-	-	-0.05
Net Loans	317.82	308.94	288.65	333.94	372.97
Property, Plant & Equipment	12.41	13.25	13.76	14.31	13.9
Goodwill	15.61	15.61	15.61	15.61	15.61
Other Intangible Assets	-	-	0.06	0.21	0.36
Accrued Interest Receivable	2.61	2.61	2.94	1.7	1.89
Other Current Assets	0.82	0.81	1.03	1.04	1.33
Long-Term Deferred Tax Assets	9.71	8.77	10.25	1.05	0.34
Other Real Estate Owned & Foreclosed	0.14	0.09	0.21	0.62	1.25
Other Long-Term Assets	12.95	15.04	12.58	15.37	14.84
Total Assets	659.83	660.07	697.34	773.33	737.8
Interest Bearing Deposits	328.63	336.51	357.08	374.3	362.27
Institutional Deposits	52.33	42.05	33.88	44.19	46.89
Non-Interest Bearing Deposits	191.02	192.19	218.12	235.61	208.53
Total Deposits	571.98	570.74	609.08	654.1	617.69
Short-Term Borrowings	1.3	1.47	1.86	5.89	7.76
Current Portion of Long-Term Debt	-	-	5	-	-
Current Portion of Leases	0.16	-	-	-	-
Accrued Interest Payable	0.75	0.5	0.13	0.17	0.28
Federal Home Loan Bank Debt, Long-Term	-	-	-	7.51	10.01
Long-Term Leases	0.61	0.89	0.72	0.82	-
Trust Preferred Securities	12	14	16	16	16
Other Long-Term Liabilities	5.47	4.77	5.06	6.33	5.86
Total Liabilities	592.26	592.37	637.84	690.82	657.6
Common Stock	4.86	5.3	5.46	5.73	5.81
Retained Earnings	86.84	83.13	79.56	74.43	69.97
Comprehensive Income & Other	-24.13	-20.72	-25.52	2.35	4.41
Shareholders' Equity	67.57	67.7	59.5	82.51	80.2
Total Liabilities & Equity	659.83	660.07	697.34	773.33	737.8
Total Debt	14.07	16.36	23.58	30.22	33.77
Net Cash (Debt)	19.75	-0.21	10.53	147.41	136.76
Net Cash Growth	-	-	-92.86%	7.79%	485.11%
Net Cash Per Share	20.03	-0.21	10.59	148.00	136.21
Filing Date Shares Outstanding	0.98	0.99	0.99	1	1
Total Common Shares Outstanding	0.98	0.99	0.99	1	1
Book Value Per Share	69.15	68.51	60.00	82.85	80.40
Tangible Book Value	51.97	52.09	43.84	66.69	64.23
Tangible Book Value Per Share	53.18	52.72	44.21	66.97	64.40

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