CITIZENS B & T HOLDINGS, INC. Financial Reports

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:· CITIZENS B & T HOLDINGS, INC.

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Off Balance Sheet
::	Holding Company Credit Default Swaps
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CITIZENS B & T HOLDINGS, INC.

Institution Profile

Year Opened :

2006

Institution Type :

Holding Company

Reserve District :

Atlanta

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

External Auditor :

Mauldin & Jenkins

Related Bank / Thrift	Assets	Asset Concentration
Citizens Bank & Trust	1,098,242	Commercial Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	75,736	Total Operating Income	2,936
Total Liabilities	35,175	Total Operating Expenses	1,707
Total Equity Capital	40,561	Equity in Undistributed Income	3,348
		Net income (loss)	5,004

Miscellaneous
Cash Dividends Declared by Bank Holding Company	1,179
Total Consolidated Assets of Bank Holding Company	1,091,181

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury