{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-22-268362","form_type":"8-K","ticker":"CIZN","cik":"0001075706","company_name":"CITIZENS HOLDING CO /MS/","filed_at":"2022-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:49.525527+00:00","generated_at":"2026-06-23T01:09:29.118726+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 Q3 net income $2.58M, EPS $0.46, up 37% YoY","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-22-268362","json":"https://secwatch.observer/filing/0001193125-22-268362.json","markdown":"https://secwatch.observer/filing/0001193125-22-268362.md","text":"https://secwatch.observer/filing/0001193125-22-268362.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1075706/000119312522268362/0001193125-22-268362-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1075706/000119312522268362/d252676d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T01:09:29.118726+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"}