{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-23-001964","form_type":"8-K","ticker":"CIZN","cik":"0001075706","company_name":"CITIZENS HOLDING CO /MS/","filed_at":"2023-01-27T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.789497+00:00","generated_at":"2026-06-20T07:02:53.221638+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Citizens Holding Q4 2022 net income $2.46M ($0.44/sh), up 36% YoY; book value falls 63% on AOCI loss","bullets":["FY 2022 net income $9.62M ($1.47/sh), up 28.4% from $7.49M ($1.34/sh) in 2021.","Q4 2022 net interest margin 2.87%, down from 2.90% linked Qtr; cost of funds up 101% QoQ.","Book value per share $6.97, down 63% YoY from $18.95 due to $71.3M unrealized securities loss.","Non-performing assets to loans improved to 74 bps from 77 bps linked Qtr and 113 bps YoY.","Dividend unchanged at $0.96/sh for FY 2022; payout ratio fell to 55.8% from 71.6%."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-23-001964","json":"https://secwatch.observer/filing/0001437749-23-001964.json","markdown":"https://secwatch.observer/filing/0001437749-23-001964.md","text":"https://secwatch.observer/filing/0001437749-23-001964.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1075706/000143774923001964/0001437749-23-001964-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1075706/000143774923001964/cizn20230127_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T07:02:53.221638+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":[{"claim_id":"f7ba9770e7b12b42bf12451f71e624ecef6966db","claim":"CITIZENS HOLDING CO /MS/ reported three and twelve months ended December 31, 2022 results: net income $9,620, or $1.47 per share-basic and diluted, EPS $1.47 per share-basic and diluted.","evidence_excerpt":"Net income for the twelve months ended December 31, 2022 was $9,620, or $1.47 per share-basic and diluted","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1075706/000143774923001964/0001437749-23-001964-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and twelve months ended December 31, 2022"},{"label":"Net income","value":"$9,620, or $1.47 per share-basic and diluted"},{"label":"EPS","value":"$1.47 per share-basic and diluted"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}