{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-21-309360","form_type":"8-K","ticker":"CIZN","cik":"0001075706","company_name":"CITIZENS HOLDING CO /MS/","filed_at":"2021-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:04:11.385849+00:00","generated_at":"2026-06-28T17:15:51.650567+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Citizens Holding Q3 2021 net income $0.34/share, down 9.75% YoY; NIM improves to 2.74%","bullets":["Net income for Q3 2021 was $1.88M ($0.34 per share), down from $2.08M ($0.37) in Q3 2020.","Nine-month net income increased 20.8% to $5.68M ($1.02 per share) vs $4.70M ($0.84) prior year.","Net interest margin improved to 2.74% for Q3, up 17 bps from linked quarter; provision for loan losses was $968K mainly due to one relationship.","Non-performing assets decreased 20.1% sequentially to $7.07M, down 49.75% year-over-year.","Noninterest income rose 24.9% in Q3 2021 vs Q3 2020, driven by mortgage origination and investment security gains."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-21-309360","json":"https://secwatch.observer/filing/0001193125-21-309360.json","markdown":"https://secwatch.observer/filing/0001193125-21-309360.md","text":"https://secwatch.observer/filing/0001193125-21-309360.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1075706/000119312521309360/0001193125-21-309360-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1075706/000119312521309360/d244718d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-28T17:15:51.650567+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"}