secwatch.observer — SEC 8-K summary
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Issuer:     CITIZENS HOLDING CO /MS/ (CIZN)
CIK:        0001075706
Form:       8-K
Filed at:   2022-01-26T23:59:59+00:00
Accession:  0001193125-22-017578
Event type: earnings
Sentiment:  neutral
Materiality: 0.55
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1075706/000119312522017578/0001193125-22-017578-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1075706/000119312522017578/d296118d8k.htm
  HTML page:      https://secwatch.observer/filing/0001193125-22-017578

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer