Citizens Bancshares 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
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Cash & Equivalents	142.98	153.06	139.54
Investment Securities	126.71	148.67	133.5
Mortgage-Backed Securities	147.91	89.24	80.82
Total Investments	274.62	237.91	214.32
Gross Loans	627.9	575.85	544.06
Allowance for Loan Losses	-7.51	-6.31	-5.9
Net Loans	620.38	569.54	538.16
Property, Plant & Equipment	28.71	29.14	28.44
Goodwill	19.2	18.48	18.48
Other Intangible Assets	4.9	4.59	5.3
Loans Held for Sale	0.2	-	-
Accrued Interest Receivable	3.8	3.7	3.28
Long-Term Deferred Tax Assets	1.75	3.1	3.16
Other Real Estate Owned & Foreclosed	0.93	0.97	1.09
Other Long-Term Assets	12.02	12.52	11.75
Total Assets	1,109	1,033	963.52
Interest Bearing Deposits	698.22	667.58	605.08
Institutional Deposits	19.81	16.92	16.42
Non-Interest Bearing Deposits	257.18	232.19	231.63
Total Deposits	975.21	916.69	853.13
Short-Term Borrowings	3.33	2.43	3.34
Current Portion of Leases	0.12	-	-
Accrued Interest Payable	0.88	0.87	0.68
Long-Term Debt	24.63	24.57	24.51
Long-Term Leases	0.27	0.5	0.32
Other Long-Term Liabilities	3.92	3.06	4.32
Total Liabilities	1,008	948.11	886.3
Common Stock	2.39	2.39	2.39
Additional Paid-In Capital	8	8	8
Retained Earnings	105.7	95.54	86.1
Treasury Stock	-8.75	-8.75	-8.1
Comprehensive Income & Other	-6.22	-12.26	-11.17
Shareholders' Equity	101.13	84.92	77.23
Total Liabilities & Equity	1,109	1,033	963.52
Total Debt	28.35	27.5	28.17
Net Cash (Debt)	119.14	134.07	120.62
Net Cash Growth	-11.14%	11.15%	-
Net Cash Per Share	58.91	65.80	59.11
Filing Date Shares Outstanding	1.95	1.95	1.97
Total Common Shares Outstanding	1.95	1.95	1.97
Book Value Per Share	51.83	43.52	39.19
Tangible Book Value	77.03	61.85	53.44
Tangible Book Value Per Share	39.48	31.69	27.12

Source: S&P Capital IQ. Banks template. Financial Sources.