CITIZENS BANCORP, INC. Financial Reports

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:· CITIZENS BANCORP, INC.

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General Interest
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Mergers & Acquisitions
::	Holding Company Mergers & Acquisitions
::	Bank Mergers & Acquisitions
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Off Balance Sheet
::	Holding Company Credit Default Swaps
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::	Derivatives
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CITIZENS BANCORP, INC.

Institution Profile

Year Opened :

2007

Institution Type :

Holding Company

Reserve District :

Minneapolis

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

Related Bank / Thrift	Assets	Asset Concentration
Citizens State Bank	230,782	Commercial Lending Specialization

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

Total Assets	19,302	Total Operating Income	480
Total Liabilities	3,855	Total Operating Expenses	146
Total Equity Capital	15,447	Equity in Undistributed Income	450
		Net income (loss)	815

Miscellaneous
Cash Dividends Declared by Bank Holding Company	109
Total Consolidated Assets of Bank Holding Company	233,487

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