Exhibit 99.3

CITIZENS BANCSHARES COMPANY

UNAUDITED CONSOLIDATED BALANCE SHEETS

SEPTEMBER 30, 2022 AND DECEMBER 31, 2021

(Dollars in thousands)

		September 30, 2022		December 31, 2021
Assets
Cash and due from banks	$	257,081	$	248,448
Securities available for sale		228,710		208,759
Loans, net		453,069		465,348
Cash surrender value of life insurance		21,622		21,295
Premises and equipment, net		14,135		14,705
Accrued interest receivable		2,896		2,116
Other real estate owned		6,428		7,383
Federal Home Loan Bank stock		1,174		1,183
Deferred income taxes, net		6,849		5,047
Other assets		6,930		6,832
TOTAL ASSETS	$	998,894	$	981,116
Liabilities and Stockholders' Equity
Deposits
Non-interest bearing	$	211,366	$	251,586
NOW, money market, and savings		535,285		456,384
Certificates of deposit		122,052		135,492
Total deposits		868,703		843,462
Securities sold under agreement to repurchase		29,444		27,621
Accrued interest payable		67		80
Other liabilities		5,673		6,304
TOTAL LIABILITIES		903,887		877,467
Common stock, $0.01 par value; 5,000,000 shares authorized; 2,561,600 shares issued; 2,346,915 shares outstanding September 30, 2022 and December 31, 2021, respectively		26		26
Additional paid-in capital		8,832		8,832
Retained earnings		101,510		97,798
Treasury stock, at cost (September 30, 2022 and December 31, 2021, 214,685 shares)		(4,900)		(4,900)
Accumulated other comprehensive (loss) income		(10,461)		1,893
TOTAL STOCKHOLDERS' EQUITY		95,007		103,649
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$	998,894	$	981,116

CITIZENS BANCSHARES COMPANY

UNAUDITED CONSOLIDATED STATEMENTS OF INCOME

NINE MONTHS ENDED SEPTEMBER 30, 2022 AND SEPTEMBER 30, 2021

(Dollars in thousands)

		Nine Months ended
		September 30, 2022		September 30, 2021
Interest Income:
Loans, including fees	$	16,100	$	16,799
Securities		3,937		2,340
Federal funds sold and other		1,771		232
TOTAL INTEREST INCOME		21,808		19,371
Interest Expense:
Deposits		1,414		1,280
Securities sold under agreement to repurchase and federal funds purchased		99		28
Other borrowings		9		473
TOTAL INTEREST EXPENSE		1,522		1,781
NET INTEREST INCOME		20,286		17,590
Provision for loan losses		51		(1,927)
NET INTEREST INCOME AFTER PROVISION FOR LOAN LOSSES		20,235		19,517
Noninterest income:
Service charges and fees		2,210		1,912
Wealth Management fees		1,613		1,730
Net gain on sale of securities		-		1,835
Net gain on sale of premises and equipment		72		35
Net gain on sale of other real estate		43		-
Increase in cash surrender value of life insurance		327		827
Other income		3,381		2,782
TOTAL NONINTEREST INCOME		7,646		9,121
Noninterest expense:
Salaries and employee benefits		10,743		10,624
Occupancy		3,590		3,826
FDIC assessments		235		310
Expenses on other real estate owned		132		502
Professional fees		527		377
Telephone, postage, and delivery		583		675
Advertising and marketing		283		225
Office supplies		93		107
Other operating expense		3,894		4,422
TOTAL NONINTEREST EXPENSE		20,080		21,068
INCOME BEFORE INCOME TAXES		7,801		7,570
Income Taxes		1,743		1,572
NET INCOME	$	6,058	$	5,998

CITIZENS BANCSHARES COMPANY

UNAUDITED CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

NINE MONTHS ENDED SEPTEMBER 30, 2022 AND SEPTEMBER 30, 2021

(Dollars in thousands)

		Nine months ended
		September 30, 2022		September 30, 2021
Net Income	$	6,058	$	5,998
Other comprehensive income (loss):
Unrealized holding losses arising during the period before tax		(16,448)		(3,476)
Tax benefit related to other comprehensive loss		4,094		865
Other comprehensive loss, net of tax		(12,354)		(2,611)
Comprehensive (Loss) Income	$	(6,296)	$	3,387

CITIZENS BANCSHARES COMPANY

UNAUDITED CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY

NINE MONTHS ENDED SEPTEMBER 30, 2022 AND SEPTEMBER 30, 2021

(Dollars in thousands)

		For the nine months ended September 30, 2021
				Additional						Accumulated Other		Total
		Common		Paid-In		Retained		Treasury		Comprehensive		Stockholders'
		Stock		Capital		Earnings		Stock		Income (Loss)		Equity
BALANCE AS OF DECEMBER 31, 2020	$	26	$	8,832	$	91,083	$	(4,900)	$	5,578	$	100,619
Net Income		-		-		5,998		-		-		5,998
Other comprehensive loss		-		-		-		-		(2,611)		(2,611)
BALANCE AS OF SEPTEMBER 30, 2021	$	26	$	8,832	$	97,081	$	(4,900)	$	2,967	$	104,006
		For the nine months ended September 30, 2022
				Additional						Accumulated Other		Total
		Common		Paid-In		Retained		Treasury		Comprehensive		Stockholders'
		Stock		Capital		Earnings		Stock		Income (Loss)		Equity
BALANCE AS OF DECEMBER 31, 2021	$	26	$	8,832	$	97,798	$	(4,900)	$	1,893	$	103,649
Net Income		-		-		6,058		-		-		6,058
Other comprehensive loss		-		-		-		-		(12,354)		(12,354)
Dividend		-		-		(2,346)		-		-		(2,346)
BALANCE AS OF SEPTEMBER 30, 2022	$	26	$	8,832	$	101,510	$	(4,900)	$	(10,461)	$	95,007

CITIZENS BANCSHARES COMPANY

UNAUDITED CONSOLIDATED STATEMENTS OF CASH FLOW

NINE MONTHS ENDED SEPTEMBER 30, 2022 AND SEPTEMBER 30, 2021

(Dollars in thousands)

		Nine months ended
		September 30,
		2022		2021
Cash Flows From Operating Activities:
Net Income	$	6,058	$	5,998
Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation		966		1,084
Provision for loan losses		51		(1,927)
Net gain on sale of other real estate		(43)		-
Write down on other real estate		-		350
Amortization of core deposit intangible		44		44
Net gain on sale of premises and equipment		(72)		(35)
Amortization of deferred loan origination costs, net of fees		(40)		(946)
Net amortization of securities		521		267
Net gain on sale of securities		-		(1,835)
Increase in cash surrender value of life insurance		(327)		(326)
Gain on redemption of life insurance		-		822
Deferred income taxes		2,292		954
Net increase in accrued interest receivable and other assets		(922)		(1,308)
Net decrease in accrued interest payable and other liabilities		(644)		(380)
Net cash provided by operating activities		7,884		2,762
Cash flows from investing activities:
Securities available for sale:
Purchases		(55,651)		-
Maturities, prepayments, and calls		18,731		22,393
Proceeds from sales		-		21,790
Net decrease in loans		12,270		32,309
Proceeds from sales of other real estate		998		-
Net change in Federal Home Loan Bank stock		9		(109)
Purchase of premises and equipment		(470)		(590)
Proceeds from sale of premises and equipment		144		2,867
Net cash (used in) provided by investing activities		(23,969)		78,660
Cash flows from financing activities:
Net increase in deposits		25,241		33,887
Net increase in securities sold under agreement to repurchase		1,823		823

Repayment of note payable		-		(12,500)
Dividends paid on common stock		(2,346)		-
Net cash provided by financing activities		24,718		22,210
Net increase in cash and due from banks	$	8,633	$	103,632
Beginning cash and due from banks		248,448		196,163
Ending cash and due from banks	$	257,081	$	299,795
Supplemental Information
Interest paid	$	1,535	$	1,697
Income taxes paid, net		828		228