Citizens National Corporation (CZNL)

Citizens National Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	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.