{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-21-220271","form_type":"8-K","ticker":"CIZN","cik":"0001075706","company_name":"CITIZENS HOLDING CO /MS/","filed_at":"2021-07-21T23:59:59+00:00","discovered_at":"2026-05-14T18:04:17.073833+00:00","generated_at":"2026-06-30T03:37:07.583325+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Holding Q2 net income $1.9M ($0.34/sh), up 30.4% YoY; NIM improves to 2.57%","bullets":["Net income $1,907K ($0.34/sh) vs $1,462K ($0.26/sh) in Q2 2020; 6-month net income $3,804K ($0.68/sh), up 45%.","Obtained $20M line of credit, injected $18M into bank; Tier 1 Leverage Ratio rose from 6.76% to 8.25%.","NIM expanded 25 bps to 2.57% from 2.32% prior quarter; cost of funds fell 24 bps YoY to 50 bps.","Provision for loan losses dropped to $319K YTD from $936K YoY; non-performing assets down 40.6% YoY.","Dividends unchanged at $0.48 per share for six-month period; noninterest expense up 6.33% YTD."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-21-220271","json":"https://secwatch.observer/filing/0001193125-21-220271.json","markdown":"https://secwatch.observer/filing/0001193125-21-220271.md","text":"https://secwatch.observer/filing/0001193125-21-220271.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1075706/000119312521220271/0001193125-21-220271-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1075706/000119312521220271/d160176d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-30T03:37:07.583325+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}