$CIZN
CITIZENS HOLDING CO /MS/

2013 Q4 Form 10-K Financial Statement

#000119312514099176 Filed on March 14, 2014

View on sec.gov

Income Statement

Concept 2013 Q4 2013 2012 Q4
Revenue $32.12M
YoY Change -6.61%
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 $1.140M
YoY Change -7.32%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $4.080M
YoY Change -28.53%
% of Operating Profit
Other Income/Expense, Net $3.082M
YoY Change 11.24%
Pretax Income $2.700M $8.920M $2.220M
YoY Change 21.62% 5.75% 26.86%
Income Tax $570.0K $1.770M $480.0K
% Of Pretax Income 21.11% 19.84% 21.62%
Net Earnings $2.120M $7.150M $1.740M
YoY Change 21.84% 5.39% -2.79%
Net Earnings / Revenue 22.26%
Basic Earnings Per Share $1.47
Diluted Earnings Per Share $435.3K $1.47 $357.3K
COMMON SHARES
Basic Shares Outstanding 4.870M shares 4.868M shares 4.861M shares
Diluted Shares Outstanding 4.870M shares

Balance Sheet

Concept 2013 Q4 2013 2012 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $16.04M $21.56M
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 $18.62M $18.60M $19.43M
YoY Change -4.13% -4.12% -4.21%
Goodwill $3.150M
YoY Change
Intangibles $3.150M $3.150M
YoY Change 0.0% -2.39%
Long-Term Investments
YoY Change
Other Assets $17.80M
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $873.1M $873.1M $880.8M
YoY Change -0.88% -0.87% 3.15%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $200.0K $200.0K $300.0K
YoY Change -33.33% -33.33% -25.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $109.9M $109.9M $73.30M
YoY Change 49.93% 49.93% -39.02%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $200.0K $200.0K $300.0K
YoY Change -33.33% -33.33% -25.0%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $8.600M $8.600M $7.300M
YoY Change 17.81% 17.81% 14.06%
Total Long-Term Liabilities $8.600M $8.600M $7.300M
YoY Change 17.81% 17.81% 14.06%
TOTAL LIABILITIES
Total Short-Term Liabilities $200.0K $200.0K $300.0K
Total Long-Term Liabilities $8.600M $8.600M $7.300M
Total Liabilities $806.8M $806.8M $792.0M
YoY Change 1.87% 1.87% 3.14%
SHAREHOLDERS EQUITY
Retained Earnings $82.79M $79.93M
YoY Change 3.58% 3.24%
Common Stock $4.722M $4.593M
YoY Change 2.81% 8.95%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $66.27M $66.30M $88.87M
YoY Change
Total Liabilities & Shareholders Equity $873.1M $873.1M $880.8M
YoY Change -0.88% -0.87% 3.15%

Cashflow Statement

Concept 2013 Q4 2013 2012 Q4
OPERATING ACTIVITIES
Net Income $2.120M $7.150M $1.740M
YoY Change 21.84% 5.39% -2.79%
Depreciation, Depletion And Amortization $1.140M
YoY Change -7.32%
Cash From Operating Activities $2.590M $11.21M $2.120M
YoY Change 22.17% 1.11% -0.93%
INVESTING ACTIVITIES
Capital Expenditures -$80.00K $338.6K -$230.0K
YoY Change -65.22% 14.44% -188.46%
Acquisitions
YoY Change
Other Investing Activities -$8.810M -$25.95M -$32.18M
YoY Change -72.62% -40.93% 142.14%
Cash From Investing Activities -$8.880M -$26.28M -$32.40M
YoY Change -72.59% -40.57% 148.47%
FINANCING ACTIVITIES
Cash Dividend Paid $4.285M
YoY Change 0.21%
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 3.240M 9.553M 31.72M
YoY Change -89.79% -50.48% 18.54%
NET CHANGE
Cash From Operating Activities 2.590M 11.21M 2.120M
Cash From Investing Activities -8.880M -26.28M -32.40M
Cash From Financing Activities 3.240M 9.553M 31.72M
Net Change In Cash -3.050M -5.521M 1.440M
YoY Change -311.81% -60.13% -90.92%
FREE CASH FLOW
Cash From Operating Activities $2.590M $11.21M $2.120M
Capital Expenditures -$80.00K $338.6K -$230.0K
Free Cash Flow $2.670M $10.87M $2.350M
YoY Change 13.62% 0.75% 25.0%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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19003387
CY2013Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
37548934
CY2013Q4 us-gaap Goodwill Gross
GoodwillGross
3149657
CY2013Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
2766203
CY2013Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
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3012907
CY2013Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Fair Value
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318209000
CY2013Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
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13592000
CY2013Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
689235
CY2013Q4 us-gaap Financing Receivable Recorded Investment Equal To Greater Than90 Days Past Due
FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue
10547000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
106046230
CY2013Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
18623154
CY2013Q4 us-gaap Cash And Cash Equivalents Fair Value Disclosure
CashAndCashEquivalentsFairValueDisclosure
16040195
CY2013Q4 us-gaap Assets
Assets
873068899
CY2013Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue
39147000
CY2013Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
16040195
CY2013Q4 us-gaap Deferred Tax Assets Liabilities Net
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17794280
CY2013Q4 us-gaap Interest Receivable
InterestReceivable
4132053
CY2013Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than Twelve Months Fair Value
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279062000
CY2013Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
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2513000
CY2013Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
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13592000
CY2013Q4 us-gaap Financing Receivable Recorded Investment Current
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372593000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
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101286491
CY2013Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
13592000
CY2013Q4 us-gaap Interest Bearing Deposits In Banks
InterestBearingDepositsInBanks
684100
CY2013Q4 us-gaap Other Assets
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22198442
CY2013Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
379076000
CY2013Q4 us-gaap Loans And Leases Receivable Other
LoansAndLeasesReceivableOther
57121000
CY2013Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
392668000
CY2013Q4 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized
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0
CY2013Q4 us-gaap Loans And Leases Receivable Related Parties
LoansAndLeasesReceivableRelatedParties
1326327
CY2013Q4 us-gaap Trading Securities Restricted
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133977764
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
25040034
CY2013Q4 us-gaap Available For Sale Securities
AvailableForSaleSecurities
398176402
CY2013Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
3751168
CY2013Q4 us-gaap Loans Receivable With Variable Rates Of Interest1
LoansReceivableWithVariableRatesOfInterest1
54800000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
298550291
CY2013Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
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12640667
CY2013Q4 us-gaap Cash Reserve Deposit Required And Made
CashReserveDepositRequiredAndMade
2015000
CY2013Q4 us-gaap Federal Home Loan Bank Stock
FederalHomeLoanBankStock
2633300
CY2013Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
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13592000
CY2013Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
2448452
CY2013Q4 us-gaap Loans And Leases Receivable Commercial
LoansAndLeasesReceivableCommercial
307716000
CY2013Q4 us-gaap Loans Receivable Fair Value Disclosure
LoansReceivableFairValueDisclosure
385646132
CY2013Q4 us-gaap Cash Surrender Value Of Life Insurance
CashSurrenderValueOfLifeInsurance
22208962
CY2013Q4 cizn Accumulated Other Comprehensive Income Loss Tax
AccumulatedOtherComprehensiveIncomeLossTax
-12640667
CY2013Q4 cizn Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due
FinancingReceivableRecordedInvestmentThirtyToEightyNineDaysPastDue
9528000
CY2013Q4 cizn Interest Bearing Deposits With Banks Fair Value Disclosure
InterestBearingDepositsWithBanksFairValueDisclosure
684100
CY2013Q4 cizn Deferred Tax Assets Intangible Assets
DeferredTaxAssetsIntangibleAssets
154037
CY2013Q4 cizn Other Time Deposits
OtherTimeDeposits
107557540
CY2013Q4 cizn Federal Home Loan Bank Advances Fair Value
FederalHomeLoanBankAdvancesFairValue
34622359
CY2013Q4 cizn Available For Sale Securities Gross Unrealized Gain Accumulated In Investments
AvailableForSaleSecuritiesGrossUnrealizedGainAccumulatedInInvestments
3127856
CY2013Q4 cizn Available For Sale Securities Gross Unrealized Loss Accumulated In Investments
AvailableForSaleSecuritiesGrossUnrealizedLossAccumulatedInInvestments
37017044
CY2013Q4 cizn Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Aggregate Losses Accumulated In Investments
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAggregateLossesAccumulatedInInvestments
31445000
CY2013Q4 cizn Available For Sale Securities Continuous Unrealized Loss Position12 Months Or Longer Aggregate Losses Accumulated In Investments
AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAggregateLossesAccumulatedInInvestments
5572000
CY2013Q4 cizn Available For Sale Securities Continuous Unrealized Loss Position Aggregate Losses Accumulated In Investments
AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAccumulatedInInvestments
37017000
CY2014Q1 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
4870114 shares
CY2010Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6379070
CY2010Q4 us-gaap Stockholders Equity
StockholdersEquity
76295096
CY2010Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
16963393
CY2011Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
6681412
CY2011Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
1166594
CY2011Q4 us-gaap Stockholders Equity
StockholdersEquity
86079217
CY2011Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
5514818
CY2011Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue
2029295
CY2011Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
35407715
CY2013Q2 dei Entity Public Float
EntityPublicFloat
89398943
CY2013 dei Trading Symbol
TradingSymbol
CIZN
CY2013 dei Entity Registrant Name
EntityRegistrantName
CITIZENS HOLDING CO /MS/
CY2013 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2013 dei Amendment Flag
AmendmentFlag
false
CY2013 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2013 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2013
CY2013 dei Document Type
DocumentType
10-K
CY2013 dei Document Period End Date
DocumentPeriodEndDate
2013-12-31
CY2013 dei Entity Central Index Key
EntityCentralIndexKey
0001075706
CY2013 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2013 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2013 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2013 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2013 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.47
CY2013 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.47
CY2013 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4869767 shares
CY2013 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
1504 shares
CY2013 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
5 Loan
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Grant Date Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGrantDateIntrinsicValue
8100
CY2013 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
11210828
CY2013 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 18px"><font style="FONT-FAMILY: Times New Roman" size="2"><u>Reclassifications</u></font></p> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 6px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">Certain information for 2011 and 2012 has been reclassified to conform to the financial presentation for 2013. Such reclassifications had no effect on net income or stockholders&#x2019; equity.</font></p> </div>
CY2013 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
8919763
CY2013 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.88
CY2013 us-gaap Use Of Estimates
UseOfEstimates
<div> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 18px"><font style="FONT-FAMILY: Times New Roman" size="2"><u>Estimates</u></font></p> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 6px" align="justify"> <font style="FONT-FAMILY: Times New Roman" size="2">The preparation of financial statements in conformity with GAAP 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-BOTTOM: 0px; MARGIN-TOP: 12px" 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-BOTTOM: 0px; FONT-SIZE: 1px; MARGIN-TOP: 6px"> &#xA0;</p> <p style="MARGIN-BOTTOM: 0px; MARGIN-TOP: 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>
CY2013 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4868263 shares
CY2013 us-gaap Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Outstanding Options Weighted Average Remaining Contractual Term2
SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2
P3Y2M
CY2013 us-gaap Defined Contribution Plan Employer Matching Contribution Percent Of Match
DefinedContributionPlanEmployerMatchingContributionPercentOfMatch
0.50 pure
CY2013 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
438600
CY2013 us-gaap Loans And Leases Receivable Related Parties Collections
LoansAndLeasesReceivableRelatedPartiesCollections
1051945
CY2013 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
338615
CY2013 us-gaap Payments Of Dividends
PaymentsOfDividends
4285371
CY2013 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-25330603
CY2013 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
128950
CY2013 us-gaap Income Taxes Paid
IncomeTaxesPaid
2357215
CY2013 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
1017032
CY2013 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Sales
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSales
68012
CY2013 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
142276646
CY2013 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
1159571
CY2013 us-gaap Repayments Of Federal Home Loan Bank Borrowings
RepaymentsOfFederalHomeLoanBankBorrowings
45000000
CY2013 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
7949437
CY2013 us-gaap Excess Tax Benefit From Share Based Compensation Operating Activities
ExcessTaxBenefitFromShareBasedCompensationOperatingActivities
14566
CY2013 us-gaap Interest Paid
InterestPaid
4202416
CY2013 us-gaap Fair Value Assets Measured On Recurring Basis Change In Unrealized Gain Loss
FairValueAssetsMeasuredOnRecurringBasisChangeInUnrealizedGainLoss
CY2013 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-533815
CY2013 us-gaap Increase Decrease In Federal Funds Purchased
IncreaseDecreaseInFederalFundsPurchased
-27500000
CY2013 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
32116095
CY2013 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Gain Loss Included In Other Comprehensive Income Loss
FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetGainLossIncludedInOtherComprehensiveIncomeLoss
-27962
CY2013 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
20610580
CY2013 us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
-824044
CY2013 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
28035638
CY2013 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
25831272
CY2013 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
-18446207
CY2013 us-gaap Available For Sale Securities Gross Realized Gains
AvailableForSaleSecuritiesGrossRealizedGains
1039793
CY2013 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
3884997
CY2013 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
51994
CY2013 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
193578
CY2013 us-gaap Fees And Commissions Other
FeesAndCommissionsOther
1953263
CY2013 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
423388
CY2013 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-40399686
CY2013 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
423388
CY2013 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
157924
CY2013 us-gaap Noninterest Income
NoninterestIncome
7816102
CY2013 us-gaap Net Income Loss
NetIncomeLoss
7149860
CY2013 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
25809560
CY2013 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-717749
CY2013 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
1554454
CY2013 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
3504084
CY2013 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-25596067
CY2013 us-gaap Communication
Communication
442781
CY2013 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
187469
CY2013 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-850100
CY2013 us-gaap Depreciation Nonproduction
DepreciationNonproduction
1140753
CY2013 us-gaap Other Expenses
OtherExpenses
3081797
CY2013 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
9114016
CY2013 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
9552619
CY2013 us-gaap Financing Receivable Modifications Pre Modification Recorded Investment2
FinancingReceivableModificationsPreModificationRecordedInvestment2
9261000
CY2013 us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
-5521093
CY2013 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
2091610
CY2013 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
284044
CY2013 us-gaap Operating Leases Rent Expense Net
OperatingLeasesRentExpenseNet
150333
CY2013 us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
41974017
CY2013 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
423388
CY2013 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
81916607
CY2013 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
2335959
CY2013 us-gaap Loans And Leases Receivable Related Parties Additions
LoansAndLeasesReceivableRelatedPartiesAdditions
525049
CY2013 us-gaap Other Income Tax Expense Benefit Continuing Operations
OtherIncomeTaxExpenseBenefitContinuingOperations
-290714
CY2013 us-gaap Advertising Expense
AdvertisingExpense
621216
CY2013 us-gaap Supplies Expense
SuppliesExpense
563706
CY2013 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-121959
CY2013 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1769903
CY2013 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
2204366
CY2013 us-gaap Other Noninterest Expense
OtherNoninterestExpense
7220876
CY2013 us-gaap Equipment Expense
EquipmentExpense
2379167
CY2013 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
4285371
CY2013 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
2135460
CY2013 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
39050
CY2013 us-gaap Interest Expense
InterestExpense
4080457
CY2013 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-15069083
CY2013 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
616405
CY2013 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
128950
CY2013 us-gaap Provision For Other Losses
ProvisionForOtherLosses
462475
CY2013 us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
1081136
CY2013 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
3032719
CY2013 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1944997
CY2013 us-gaap Sec Schedule Iii Real Estate Writedown Or Reserve Amount
SECScheduleIIIRealEstateWritedownOrReserveAmount
276400
CY2013 us-gaap Interest Expense Time Deposits100000 Or More
InterestExpenseTimeDeposits100000OrMore
754000
CY2013 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
15544647
CY2013 us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
14566
CY2013 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
0
CY2013 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
2620003
CY2013 us-gaap Occupancy Net
OccupancyNet
2016965
CY2013 us-gaap Increase Decrease In Deferred Compensation
IncreaseDecreaseInDeferredCompensation
802286
CY2013 us-gaap Proceeds From Sale Of Federal Reserve Stock
ProceedsFromSaleOfFederalReserveStock
1052000
CY2013 us-gaap Labor And Related Expense
LaborAndRelatedExpense
13110603
CY2013 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
14007000
CY2013 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-26284540
CY2013 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
1274714
CY2013 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
7119000
CY2013 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
265464
CY2013 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
12080458
CY2013 us-gaap Noninterest Expense
NoninterestExpense
24727611
CY2013 us-gaap Proceeds From Federal Home Loan Bank Borrowings
ProceedsFromFederalHomeLoanBankBorrowings
10000000
CY2013 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
511984
CY2013 cizn Financing Receivable Modifications Number Of Contracts During Period
FinancingReceivableModificationsNumberOfContractsDuringPeriod
1 Loan
CY2013 cizn Interest Income Forgone On Loans
InterestIncomeForgoneOnLoans
813710
CY2013 cizn Financing Receivable Modifications Writedown During Period
FinancingReceivableModificationsWritedownDuringPeriod
333000
CY2013 cizn Defined Contribution Plan Service Period For Eligibility
DefinedContributionPlanServicePeriodForEligibility
P1Y
CY2013 cizn Travel And Convention Expense
TravelAndConventionExpense
200684
CY2013 cizn Interest Bearing Deposits Maturity Period
InterestBearingDepositsMaturityPeriod
P1Y
CY2013 cizn Loan Collection Expense
LoanCollectionExpense
554542
CY2013 cizn Minimum Period For Loans On Nonaccrual Status To Be Considered Nonperforming
MinimumPeriodForLoansOnNonaccrualStatusToBeConsideredNonperforming
P90D
CY2013 cizn Financing Receivable Modifications Recorded Investment During Period
FinancingReceivableModificationsRecordedInvestmentDuringPeriod
2411000
CY2013 cizn Legal And Audit Fees
LegalAndAuditFees
393997
CY2013 cizn Financing Receivable Modifications Collections During Period
FinancingReceivableModificationsCollectionsDuringPeriod
561000
CY2013 cizn Federal Deposit Insurance Special Deposit Insurance Assessment
FederalDepositInsuranceSpecialDepositInsuranceAssessment
69282
CY2013 cizn Card And Processing Expense
CardAndProcessingExpense
830396
CY2013 cizn Increase Decrease In Federal Home Loan Bank Stock Dividends
IncreaseDecreaseInFederalHomeLoanBankStockDividends
-11400
CY2013 cizn Writedowns And Net Gain Loss On Sales Of Real Estate Owned
WritedownsAndNetGainLossOnSalesOfRealEstateOwned
-276400
CY2013 cizn Real Estate Acquisitions Through Foreclosures Covered
RealEstateAcquisitionsThroughForeclosuresCovered
1436923
CY2011 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.49
CY2011 us-gaap Earnings Per Share Diluted
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