$CIZN
Citizens Holding Co

2012 Q4 Form 10-K Financial Statement

#000119312513109053 Filed on March 15, 2013

View on sec.gov

Income Statement

Concept 2012 Q4 2011 Q4 2010
Revenue $38.14M
YoY Change
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.290M
YoY Change -17.31%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $8.726M
YoY Change
% of Operating Profit
Other Income/Expense, Net $2.203M
YoY Change
Pretax Income $2.220M $1.750M $9.245M
YoY Change 26.86% -25.85% 5.42%
Income Tax $480.0K -$40.00K $2.082M
% Of Pretax Income 21.62% -2.29% 22.53%
Net Earnings $1.740M $1.790M $7.163M
YoY Change -2.79% 4.68% 0.32%
Net Earnings / Revenue 18.78%
Basic Earnings Per Share $1.48
Diluted Earnings Per Share $357.3K $369.8K $1.48
COMMON SHARES
Basic Shares Outstanding 4.861M shares 4.836M shares
Diluted Shares Outstanding 4.853M shares

Balance Sheet

Concept 2012 Q4 2011 Q4 2010
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $21.56M $35.41M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $19.43M $20.28M $20.80M
YoY Change -4.21% -2.51% 14.92%
Goodwill $3.150M
YoY Change
Intangibles $3.150M $3.227M
YoY Change -2.39%
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $880.8M $853.9M $818.2M
YoY Change 3.15% 4.37% -2.6%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $300.0K $400.0K $500.0K
YoY Change -25.0% -20.0% -37.5%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $73.30M $120.2M $113.0M
YoY Change -39.02% 6.37% -1.57%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $300.0K $400.0K $500.0K
YoY Change -25.0% -20.0% -37.5%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $7.300M $6.400M $6.600M
YoY Change 14.06% -3.03% 15.79%
Total Long-Term Liabilities $7.300M $6.400M $6.600M
YoY Change 14.06% -3.03% 15.79%
TOTAL LIABILITIES
Total Short-Term Liabilities $300.0K $400.0K $500.0K
Total Long-Term Liabilities $7.300M $6.400M $6.600M
Total Liabilities $792.0M $767.9M $741.9M
YoY Change 3.14% 3.5% -3.07%
SHAREHOLDERS EQUITY
Retained Earnings $79.93M $77.42M
YoY Change 3.24%
Common Stock $4.593M $4.216M
YoY Change 8.95%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $88.87M $86.08M $76.30M
YoY Change
Total Liabilities & Shareholders Equity $880.8M $853.9M $818.2M
YoY Change 3.15% 4.37% -2.6%

Cashflow Statement

Concept 2012 Q4 2011 Q4 2010
OPERATING ACTIVITIES
Net Income $1.740M $1.790M $7.163M
YoY Change -2.79% 4.68% 0.32%
Depreciation, Depletion And Amortization $1.290M
YoY Change -17.31%
Cash From Operating Activities $2.120M $2.140M $17.52M
YoY Change -0.93% -63.42% 78.44%
INVESTING ACTIVITIES
Capital Expenditures -$230.0K $260.0K $3.736M
YoY Change -188.46% -118.84% -261.01%
Acquisitions
YoY Change
Other Investing Activities -$32.18M -$13.29M $16.20M
YoY Change 142.14% -188.78% -118.47%
Cash From Investing Activities -$32.40M -$13.04M $12.47M
YoY Change 148.47% -195.88% -113.85%
FINANCING ACTIVITIES
Cash Dividend Paid $4.111M
YoY Change
Common Stock Issuance & Retirement, Net $366.4K
YoY Change -167.85%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 31.72M 26.76M -28.39M
YoY Change 18.54% -212.3% -142.56%
NET CHANGE
Cash From Operating Activities 2.120M 2.140M 17.52M
Cash From Investing Activities -32.40M -13.04M 12.47M
Cash From Financing Activities 31.72M 26.76M -28.39M
Net Change In Cash 1.440M 15.86M 1.598M
YoY Change -90.92% -462.1% -111.85%
FREE CASH FLOW
Cash From Operating Activities $2.120M $2.140M $17.52M
Capital Expenditures -$230.0K $260.0K $3.736M
Free Cash Flow $2.350M $1.880M $13.79M
YoY Change 25.0% -74.0% 13.57%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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288000
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CY2012Q4 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
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CY2012Q4 us-gaap Federal Home Loan Bank Advances Maturities Summary Due Within One Year Of Balance Sheet Date
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20000000
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CY2012Q4 cizn Interest Bearing Deposits With Banks Fair Value Disclosure
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CY2010 us-gaap Federal Income Tax Expense Benefit Continuing Operations
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2202889
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6261995
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150748
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2455790
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CY2010 us-gaap Income Tax Reconciliation Tax Exempt Income
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1222904
CY2010 us-gaap Repayments Of Federal Home Loan Bank Borrowings
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366381
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189161
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2172000
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3735527
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1597781
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751967
CY2010 us-gaap Occupancy Net
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1844656
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7534895
CY2010 us-gaap Interest Income Expense After Provision For Loan Loss
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CY2010 us-gaap Advertising Expense
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669472
CY2010 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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CY2010 us-gaap Stock Issued During Period Value Stock Options Exercised
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189161
CY2010 us-gaap Equipment Expense
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1959801
CY2010 us-gaap Dividends Common Stock Cash
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4110791
CY2010 us-gaap Interest And Dividend Income Operating
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38138255
CY2010 us-gaap Income Tax Expense Benefit Continuing Operations
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2082461
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CY2010 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Tax
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CY2010 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Net Of Tax
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CY2010 us-gaap Supplies Expense
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486106
CY2010 us-gaap Increase Decrease In Interest Payable Net
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CY2010 us-gaap Interest Income Expense Net
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CY2010 us-gaap Interest Income Securities Tax Exempt
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3726993
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1212534
CY2010 us-gaap Payments To Acquire Available For Sale Securities
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243202445
CY2010 us-gaap Other Comprehensive Income Loss Reclassification Adjustment For Sale Of Securities Included In Net Income Before Tax
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CY2010 us-gaap Excess Tax Benefit From Share Based Compensation Operating Activities
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35640
CY2010 us-gaap Increase Decrease In Accrued Interest Receivable Net
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CY2010 us-gaap Weighted Average Number Of Shares Outstanding Basic
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CY2010 us-gaap Current State And Local Tax Expense Benefit
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364212
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191717
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1530322
CY2010 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
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664613
CY2010 us-gaap Proceeds From Federal Home Loan Bank Borrowings
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12000000
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6402
CY2010 us-gaap Communication
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529204
CY2010 us-gaap Increase Decrease In Deferred Compensation
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459725
CY2010 us-gaap Common Stock Dividends Per Share Cash Paid
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9244992
CY2010 us-gaap Fees And Commissions Depositor Accounts
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4001097
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CY2010 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
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240380
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CY2010 us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
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35640
CY2010 us-gaap Labor And Related Expense
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2455790
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CY2010 us-gaap Income Tax Expense Benefit
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2082461
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CY2010 us-gaap Interest Expense
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CY2010 cizn Federal Deposit Insurance Special Deposit Insurance Assessment
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1030963
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579118
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707407
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42794
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CY2010 cizn Legal And Audit Fees
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CY2010 cizn Loan Collection Expense
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CY2010 cizn Travel And Convention Expense
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CY2011 us-gaap Federal Income Tax Expense Benefit Continuing Operations
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2901869
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CY2011 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
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2671150
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4217388
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123702
CY2011 us-gaap Comprehensive Income Net Of Tax
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13858686
CY2011 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
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192942469
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245152
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25338479
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2995426
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1201271
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63385
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1158000
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34908412
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708222
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18444322
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846763
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1926803
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730496
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63385
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4261652
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22064488
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CY2011 us-gaap Proceeds From Sale Of Foreclosed Assets
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<div> <p style="MARGIN-TOP: 18px; MARGIN-BOTTOM: 0px"><font style="FONT-FAMILY: Times New Roman" size="2"><u>Estimates</u></font></p> <p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.</font></p> <p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">Estimates that are particularly susceptible to significant change relate to the determination of the allowance for loan losses and the valuation of real estate acquired in connection with foreclosures or in satisfaction of loans. In connection with the determination of the allowance for loan losses and valuation of foreclosed real estate, management obtains independent appraisals for significant properties.</font></p> <p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px; FONT-SIZE: 1px"> &#xA0;</p> <p style="MARGIN-TOP: 0px; MARGIN-BOTTOM: 0px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">While management uses available information to recognize losses on loans and to value foreclosed real estate, future additions to the allowance or adjustments to the valuation may be necessary based on changes in local economic conditions. In addition, regulatory agencies, as an integral part of their examination process, periodically review the Company&#x2019;s allowance for loan losses and valuations of foreclosed real estate. Such agencies may require the Company to recognize additions to the allowance or to make adjustments to the valuation based on their judgments about information available to them at the time of their examination. Due to these factors, it is reasonably possible that the allowance for loan losses and valuation of foreclosed real estate may change materially in the near term.</font></p> </div>
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