CITIZENS B & T HOLDINGS, INC. Financial Reports

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:· CITIZENS B & T HOLDINGS, INC.

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Off Balance Sheet
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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	1,063,126	Commercial Lending Specialization

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

Total Assets	59,652	Total Operating Income	2,785
Total Liabilities	34,965	Total Operating Expenses	1,684
Total Equity Capital	24,687	Equity in Undistributed Income	2,081
		Net income (loss)	3,602

Miscellaneous
Cash Dividends Declared by Bank Holding Company	1,033
Total Consolidated Assets of Bank Holding Company	1,033,537

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