Citizens National 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	12.28	11.51	10.73	12.68	14.99
Investment Securities	131.66	139	136.88	179.48	273.55
Mortgage-Backed Securities	162.52	137.27	147.36	160.1	100.94
Total Investments	294.19	276.27	284.24	339.58	374.49
Gross Loans	336.75	322.73	313.81	292.48	337.6
Allowance for Loan Losses	-4.92	-4.91	-4.88	-3.84	-3.66
Net Loans	331.83	317.82	308.94	288.65	333.94
Property, Plant & Equipment	11.99	12.41	13.25	13.76	14.31
Goodwill	15.61	15.61	15.61	15.61	15.61
Other Intangible Assets	-	-	-	0.06	0.21
Accrued Interest Receivable	2.78	2.61	2.61	2.94	1.7
Other Current Assets	0.68	0.82	0.81	1.03	1.04
Long-Term Deferred Tax Assets	6.99	9.71	8.77	10.25	1.05
Other Real Estate Owned & Foreclosed	0.11	0.14	0.09	0.21	0.62
Other Long-Term Assets	12.89	12.95	15.04	12.58	15.37
Total Assets	689.34	659.83	660.07	697.34	773.33
Interest Bearing Deposits	339.08	328.63	336.51	357.08	374.3
Institutional Deposits	50.89	52.33	42.05	33.88	44.19
Non-Interest Bearing Deposits	199.01	191.02	192.19	218.12	235.61
Total Deposits	588.98	571.98	570.74	609.08	654.1
Short-Term Borrowings	1.61	1.3	1.47	1.86	5.89
Current Portion of Long-Term Debt	-	-	-	5	-
Current Portion of Leases	0.16	-	-	-	-
Accrued Interest Payable	0.74	0.75	0.5	0.13	0.17
Federal Home Loan Bank Debt, Long-Term	-	-	-	-	7.51
Long-Term Leases	0.49	0.77	0.89	0.72	0.82
Trust Preferred Securities	11	12	14	16	16
Other Long-Term Liabilities	5.5	5.47	4.77	5.06	6.33
Total Liabilities	608.48	592.26	592.37	637.84	690.82
Common Stock	4.84	4.86	5.3	5.46	5.73
Retained Earnings	91.57	86.84	83.13	79.56	74.43
Comprehensive Income & Other	-15.55	-24.13	-20.72	-25.52	2.35
Shareholders' Equity	80.86	67.57	67.7	59.5	82.51
Total Liabilities & Equity	689.34	659.83	660.07	697.34	773.33
Total Debt	13.26	14.07	16.36	23.58	30.22
Net Cash (Debt)	20.71	19.75	-0.21	10.53	147.41
Net Cash Growth	4.87%	-	-	-92.86%	7.79%
Net Cash Per Share	21.20	20.03	-0.21	10.59	148.00
Filing Date Shares Outstanding	0.98	0.98	0.99	0.99	1
Total Common Shares Outstanding	0.98	0.98	0.99	0.99	1
Book Value Per Share	82.77	69.15	68.51	60.00	82.85
Tangible Book Value	65.26	51.97	52.09	43.84	66.69
Tangible Book Value Per Share	66.80	53.18	52.72	44.21	66.97

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