Citizens Holding Q4 net income $1.81M ($0.32/share), down 18.7% YoY; full-year EPS $1.34, up 8.1%

CITIZENS HOLDING CO /MS/

2021-FY EPS reported $1.34

Full-year net income $7.49M ($1.34/share) vs. $6.93M ($1.24) in 2020, up 8.12%.
Q4 total revenue $12.53M, down 4.52% YoY; net interest margin improved to 2.85% from 2.64%.
Non-performing assets fell 44.6% YoY to $6.46M; allowance to loans 0.79%.
Total deposits rose 1.53% to $1.11B; cost of funds declined 26 bps for the year to 0.50%.
Dividends unchanged at $0.96/share for 2021.

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