Citizens Holding Q3 net income $2.58M, EPS $0.46, up 37% YoY

CITIZENS HOLDING CO /MS/

2022-Q3 EPS reported $1.28

Net income $2,580k ($0.46 diluted EPS) vs $1,880k ($0.34) in Q3 2021, increase of 37.2%.
Total revenues $12,999k, up 5.5% from Q2 2022; net interest margin expanded to 2.90% from 2.74% a year ago.
Non-performing assets fell to $4,429k (77 bps of loans) from $7,071k in Q3 2021, down 37.4%.
Dividends held at $0.72 per share for the nine months; net recoveries of $459k year-to-date.
Provision release of $53k driven by lower loan balances; allowance for loan losses 0.88% of loans.

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