Citizens Holding Company Income Statement

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
Interest Income on Loans	57.44	56.4	46.46	32.78	27.2	31.21
Interest Income on Investments	14.13	15.14	19.98	16.51	12.5	7.3
Total Interest Income	71.57	71.53	66.45	49.28	39.7	38.51
Interest Paid on Deposits	20.37	19.24	20.14	12.25	2.54	4.26
Interest Paid on Borrowings	6.88	9.15	11.69	7.15	2.25	0.76
Total Interest Expense	27.25	28.39	31.83	19.41	4.79	5.02
Net Interest Income	44.33	43.15	34.62	29.88	34.91	33.49
Net Interest Income Growth (YoY)	19.98%	24.62%	15.88%	-14.41%	4.23%	1.09%
Gain (Loss) on Sale of Assets	-	-	4.54	0.28	-	-
Gain (Loss) on Sale of Investments	-0.01	-0.01	-2.56	-1.99	-	1.38
Other Non-Interest Income	6.76	6.73	6.1	6.67	6.8	6.95
Total Non-Interest Income	11.26	11.11	12.04	8.75	10.69	11.83
Non-Interest Income Growth (YoY)	27.06%	-7.66%	37.57%	-18.19%	-9.62%	13.11%
Revenues Before Loan Losses	55.59	54.26	46.66	38.63	45.6	45.33
Provision for Loan Losses	2.93	2.26	0.83	0.67	0.12	1.41
Revenue	52.66	52	45.82	37.96	45.48	43.92
Revenue Growth (YoY)	18.26%	13.47%	20.73%	-16.54%	3.56%	4.29%
Salaries and Employee Benefits	22.22	21.81	19.88	18.45	17.49	18.3
Selling, General & Administrative	9.01	8.91	7.73	8.54	8.18	7.87
Other Non-Interest Expense	11.92	11.73	11.31	9.19	8.46	8.27
Total Non-Interest Expense	43.15	42.45	38.92	36.18	34.17	35.35
EBT Excluding Unusual Items	9.51	9.55	6.91	1.78	11.31	8.57
Pretax Income	9.51	9.55	6.91	1.78	11.5	8.93
Income Tax Expense	1.33	1.4	1.42	-0.07	1.88	1.43
Net Income	8.18	8.15	5.49	1.85	9.62	7.49
Net Income to Common	8.18	8.15	5.49	1.85	9.62	7.49
Net Income Growth	83.00%	48.41%	196.12%	-80.73%	28.37%	8.12%
Basic Shares Outstanding	6	6	6	6	6	6
Diluted Shares Outstanding	6	6	6	6	6	6
Shares Change (YoY)	1.09%	0.89%	0.17%	0.15%	0.15%	0.08%
EPS (Basic)	1.44	1.44	0.98	0.33	1.72	1.34
EPS (Diluted)	1.44	1.44	0.98	0.33	1.72	1.34
EPS Growth	80.66%	47.14%	196.56%	-80.81%	28.36%	8.06%
Dividend Per Share	0.020	0.040	0.640	0.720	0.960	0.960
Dividend Growth	-96.00%	-93.75%	-11.11%	-25.00%	-	-
Effective Tax Rate	13.94%	14.64%	20.54%	-	16.36%	16.03%

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