$CIZN
Citizens Holding Co

2017 Q4 Form 10-K Financial Statement

#000119312518083037 Filed on March 15, 2018

View on sec.gov

Income Statement

Concept 2017 Q4 2016 Q4 2015
Revenue $30.96M
YoY Change -1.33%
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 $1.040M
YoY Change -12.61%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $3.077M
YoY Change 1.94%
% of Operating Profit
Other Income/Expense, Net $2.582M
YoY Change 9.39%
Pretax Income $1.850M $2.000M $10.07M
YoY Change -7.5% -37.5% 8.52%
Income Tax $420.0K $320.0K $2.479M
% Of Pretax Income 22.7% 16.0% 24.62%
Net Earnings -$1.120M $1.680M $7.589M
YoY Change -166.67% -27.9% 1.87%
Net Earnings / Revenue 24.51%
Basic Earnings Per Share $1.56
Diluted Earnings Per Share -$228.6K $344.3K $1.56
COMMON SHARES
Basic Shares Outstanding 4.895M shares 4.875M shares 4.872M shares
Diluted Shares Outstanding 4.874M shares

Balance Sheet

Concept 2017 Q4 2016 Q4 2015
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $17.96M $21.69M
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 $20.57M $18.66M $18.70M
YoY Change 10.22% 0.04% -2.6%
Goodwill $3.150M
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $5.400M $10.60M $9.200M
YoY Change -49.06% 15.22% -8.91%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $993.1M $1.025B $973.5M
YoY Change -3.13% 5.31% 5.69%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $200.0K $200.0K $200.0K
YoY Change 0.0% 0.0% 0.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $144.0M $150.3M $104.3M
YoY Change -4.19% 44.1% -8.83%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $200.0K $200.0K $200.0K
YoY Change 0.0% 0.0% 0.0%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $9.800M $9.500M $9.200M
YoY Change 3.16% 3.26% 8.24%
Total Long-Term Liabilities $9.800M $9.500M $9.200M
YoY Change 3.16% 3.26% 8.24%
TOTAL LIABILITIES
Total Short-Term Liabilities $200.0K $200.0K $200.0K
Total Long-Term Liabilities $9.800M $9.500M $9.200M
Total Liabilities $904.6M $940.2M $887.1M
YoY Change -3.78% 5.98% 5.71%
SHAREHOLDERS EQUITY
Retained Earnings $91.59M $91.00M
YoY Change 0.65% 2.31%
Common Stock $5.082M $4.779M
YoY Change 6.35% 4.06%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $88.45M $85.06M $86.40M
YoY Change
Total Liabilities & Shareholders Equity $993.1M $1.025B $973.5M
YoY Change -3.13% 5.31% 5.69%

Cashflow Statement

Concept 2017 Q4 2016 Q4 2015
OPERATING ACTIVITIES
Net Income -$1.120M $1.680M $7.589M
YoY Change -166.67% -27.9% 1.87%
Depreciation, Depletion And Amortization $1.040M
YoY Change -12.61%
Cash From Operating Activities $2.590M -$8.080M $10.40M
YoY Change -132.05% -307.71% 7.33%
INVESTING ACTIVITIES
Capital Expenditures -$70.00K -$650.0K $455.7K
YoY Change -89.23% 242.11% -74.79%
Acquisitions
YoY Change
Other Investing Activities $25.36M -$3.060M -$59.68M
YoY Change -928.76% -83.51% 101.28%
Cash From Investing Activities $25.29M -$3.710M -$60.14M
YoY Change -781.67% -80.2% 91.22%
FINANCING ACTIVITIES
Cash Dividend Paid $4.541M
YoY Change 4.6%
Common Stock Issuance & Retirement, Net $390.2K
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -30.71M 10.75M 42.28M
YoY Change -385.67% 13.64% 50.3%
NET CHANGE
Cash From Operating Activities 2.590M -8.080M 10.40M
Cash From Investing Activities 25.29M -3.710M -60.14M
Cash From Financing Activities -30.71M 10.75M 42.28M
Net Change In Cash -2.830M -1.040M -7.460M
YoY Change 172.12% -80.71% -217.11%
FREE CASH FLOW
Cash From Operating Activities $2.590M -$8.080M $10.40M
Capital Expenditures -$70.00K -$650.0K $455.7K
Free Cash Flow $2.660M -$7.430M $9.944M
YoY Change -135.8% -282.11% 26.16%

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CY2017Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Accumulated Loss
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12061414000
CY2017Q4 us-gaap Cash Surrender Value Of Life Insurance
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24612779
CY2017Q4 us-gaap Cash Reserve Deposit Required And Made
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0
CY2017Q4 us-gaap Deferred Tax Assets Other
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CY2017Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
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2150913
CY2017Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
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CY2017Q4 us-gaap Held To Maturity Securities
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CY2017Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
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CY2017Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
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4396000
CY2017Q4 us-gaap Loans And Leases Receivable Net Reported Amount
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402390574
CY2017Q4 us-gaap Loans Receivable Fair Value Disclosure
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401706081
CY2017Q4 us-gaap Loans Receivable With Variable Rates Of Interest1
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48700000
CY2017Q4 us-gaap Other Assets
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7185537
CY2017Q4 us-gaap Property Plant And Equipment Net
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20571551
CY2017Q4 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
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55691854
CY2017Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
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74589829
CY2017Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
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381028427
CY2017Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Fair Value
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455792419000
CY2017Q4 us-gaap Cash And Cash Equivalents At Carrying Value
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CY2017Q4 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized
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60075
CY2017Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
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813000
CY2017Q4 us-gaap Impaired Financing Receivable Recorded Investment
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4396000
CY2017Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
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0
CY2017Q4 us-gaap Trading Securities Restricted
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223005409
CY2017Q4 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
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CY2017Q4 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
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372294917
CY2017Q4 us-gaap Available For Sale Securities Debt Securities
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CY2017Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
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1895667000
CY2017Q4 us-gaap Fair Value Measurement With Unobservable Inputs Reconciliation Recurring Basis Asset Value
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3074227
CY2017Q4 us-gaap Financing Receivable Recorded Investment Past Due
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1532420
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CY2017Q4 us-gaap Loans And Leases Receivable Related Parties
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3980127
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CY2017Q4 us-gaap Assets
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CY2017Q4 us-gaap Available For Sale Securities Continuous Unrealized Loss Position Twelve Months Or Longer Fair Value
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344493101000
CY2017Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
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516006296
CY2017Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
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3398727
CY2017Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
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3421576
CY2017Q4 us-gaap Cash And Cash Equivalents Fair Value Disclosure
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17962990
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6914903
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5362750
CY2017Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
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753297
CY2017Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
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2734500
CY2017Q4 us-gaap Deferred Tax Assets Tax Credit Carryforwards Alternative Minimum Tax
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667280
CY2017Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
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401209000
CY2017Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
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4396000
CY2017Q4 us-gaap Financing Receivable Recorded Investment Current
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398623000
CY2017Q4 us-gaap Goodwill
Goodwill
3149657
CY2017Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
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405605000
CY2017Q4 cizn Accumulated Other Comprehensive Income Loss Tax
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-2734500
CY2017Q4 cizn Financing Receivable Recorded Investment Thirty To Eighty Nine Days Past Due
FinancingReceivableRecordedInvestmentThirtyToEightyNineDaysPastDue
6114000
CY2017Q4 cizn Time Deposits Of250000 Or More
TimeDepositsOf250000OrMore
36237241
CY2017Q4 cizn Minimum Default Loan Limit To Be Considered For Individually Evaluation Of Impaired Financing Receivable
MinimumDefaultLoanLimitToBeConsideredForIndividuallyEvaluationOfImpairedFinancingReceivable
100000
CY2017Q4 cizn Federal Home Loan Bank Advances Fair Value
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30005541
CY2017Q4 cizn Other Time Deposits
OtherTimeDeposits
141324973
CY2017Q4 cizn Interest Bearing Deposits With Banks Fair Value Disclosure
InterestBearingDepositsWithBanksFairValueDisclosure
1532420
CY2015 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.93
CY2015 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.56
CY2015 us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
10402017
CY2015 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4874141 shares
CY2015 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4872064 shares
CY2015 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2077 shares
CY2015 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.56
CY2015 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
455668
CY2015 us-gaap Payments For Repurchase Of Common Stock
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390205
CY2015 us-gaap Increase Decrease In Accrued Interest Receivable Net
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58124
CY2015 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
928246
CY2015 us-gaap Gain Loss On Sale Of Securities Net
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17503
CY2015 us-gaap Fees And Commissions Other
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2284262
CY2015 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
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17503
CY2015 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
196595
CY2015 us-gaap Accretion Amortization Of Discounts And Premiums Investments
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-1208954
CY2015 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
40117134
CY2015 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
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-864957
CY2015 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesTax
6528
CY2015 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
2159407
CY2015 us-gaap Net Income Loss
NetIncomeLoss
7588901
CY2015 us-gaap Interest Paid
InterestPaid
3087601
CY2015 us-gaap Interest And Fee Income Loans And Leases
InterestAndFeeIncomeLoansAndLeases
20040315
CY2015 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
786043
CY2015 us-gaap Increase Decrease In Other Operating Capital Net
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-188128
CY2015 us-gaap Comprehensive Income Net Of Tax
ComprehensiveIncomeNetOfTax
9353202
CY2015 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
117300
CY2015 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
135229379
CY2015 us-gaap Payments Of Dividends
PaymentsOfDividends
4540748
CY2015 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax
-1379518
CY2015 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
27331193
CY2015 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
27887880
CY2015 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
30964759
CY2015 us-gaap Income Taxes Paid
IncomeTaxesPaid
2301698
CY2015 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
27000
CY2015 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
4540748
CY2015 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
94721
CY2015 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
1764301
CY2015 us-gaap Noninterest Income
NoninterestIncome
8327709
CY2015 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
8026808
CY2015 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
2802915
CY2015 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
10067935
CY2015 us-gaap Held To Maturity Securities Transferred Security Unrealized Gain Loss
HeldToMaturitySecuritiesTransferredSecurityUnrealizedGainLoss
0
CY2015 us-gaap Fees And Commissions Depositor Accounts
FeesAndCommissionsDepositorAccounts
3866537
CY2015 us-gaap Available For Sale Securities Gross Realized Gains
AvailableForSaleSecuritiesGrossRealizedGains
142422
CY2015 us-gaap Adjustments To Additional Paid In Capital Tax Effect From Share Based Compensation
AdjustmentsToAdditionalPaidInCapitalTaxEffectFromShareBasedCompensation
1001
CY2015 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
124919
CY2015 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
-86251
CY2015 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
3423098
CY2015 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2479034
CY2015 us-gaap Increase Decrease In Deferred Compensation
IncreaseDecreaseInDeferredCompensation
508930
CY2015 us-gaap Interest Expense
InterestExpense
3076879
CY2015 us-gaap Net Cash Provided By Used In Investing Activities Continuing Operations
NetCashProvidedByUsedInInvestingActivitiesContinuingOperations
-60139411
CY2015 us-gaap Noninterest Expense
NoninterestExpense
25590967
CY2015 us-gaap Other Expenses
OtherExpenses
2581874
CY2015 us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
5758795
CY2015 us-gaap Share Based Compensation
ShareBasedCompensation
117300
CY2015 us-gaap Supplies And Postage Expense
SuppliesAndPostageExpense
478764
CY2015 us-gaap Supplies Expense
SuppliesExpense
591177
CY2015 us-gaap Advertising Expense
AdvertisingExpense
793282
CY2015 us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
625310
CY2015 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
2288766
CY2015 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
2565285
CY2015 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
496363
CY2015 us-gaap Equipment Expense
EquipmentExpense
3065042
CY2015 us-gaap Excess Tax Benefit From Share Based Compensation Financing Activities
ExcessTaxBenefitFromShareBasedCompensationFinancingActivities
1001
CY2015 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
1233162
CY2015 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1843717
CY2015 us-gaap Labor And Related Expense
LaborAndRelatedExpense
13295211
CY2015 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
19213446
CY2015 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-10128588
CY2015 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
182503
CY2015 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
821905
CY2015 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-198321
CY2015 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-10722
CY2015 us-gaap Net Cash Provided By Used In Financing Activities Continuing Operations
NetCashProvidedByUsedInFinancingActivitiesContinuingOperations
42279354
CY2015 us-gaap Occupancy Net
OccupancyNet
2160198
CY2015 us-gaap Operating Leases Rent Expense Net
OperatingLeasesRentExpenseNet
111684
CY2015 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
10975
CY2015 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodTax
-514561
CY2015 us-gaap Other Noninterest Expense
OtherNoninterestExpense
7070516
CY2015 us-gaap Proceeds From Sale Of Federal Reserve Stock
ProceedsFromSaleOfFederalReserveStock
150700
CY2015 us-gaap Provision For Other Losses
ProvisionForOtherLosses
243172
CY2015 us-gaap Cash And Cash Equivalents Period Increase Decrease
CashAndCashEquivalentsPeriodIncreaseDecrease
-7458040
CY2015 us-gaap Communication
Communication
431761
CY2015 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
276519
CY2015 us-gaap Depreciation Nonproduction
DepreciationNonproduction
1040207
CY2015 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
57310894
CY2015 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Before Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesBeforeTax
17503
CY2015 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
41493768
CY2015 us-gaap Proceeds From Maturities Prepayments And Calls Of Held To Maturity Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfHeldToMaturitySecurities
47853733
CY2015 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
27000
CY2015 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
1192328
CY2015 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
556687
CY2015 us-gaap Stock Repurchased During Period Value
StockRepurchasedDuringPeriodValue
390205
CY2015 cizn Interest Expense Time Deposits250000 Or More
InterestExpenseTimeDeposits250000OrMore
240000
CY2015 cizn Interest Income Forgone On Loans
InterestIncomeForgoneOnLoans
732268
CY2015 cizn Other Comprehensive Income Loss Amortization Of Net Unrealized Gain Loss On Transfers To Held To Maturity From Available For Sale Securities Before Tax
OtherComprehensiveIncomeLossAmortizationOfNetUnrealizedGainLossOnTransfersToHeldToMaturityFromAvailableForSaleSecuritiesBeforeTax
4210897
CY2015 cizn Legal And Audit Fees
LegalAndAuditFees
408066
CY2015 cizn Other Comprehensive Income Loss Unrealized Gain Loss On Transfers To Held To Maturity From Available For Sale Securities Tax
OtherComprehensiveIncomeLossUnrealizedGainLossOnTransfersToHeldToMaturityFromAvailableForSaleSecuritiesTax
1570664
CY2015 cizn Loan Collection Expense
LoanCollectionExpense
205549
CY2015 cizn Travel And Convention Expense
TravelAndConventionExpense
247416
CY2015 cizn Other Comprehensive Income Loss Unrealized Gain Loss On Transfers To Held To Maturity From Available For Sale Securities Net Of Tax
OtherComprehensiveIncomeLossUnrealizedGainLossOnTransfersToHeldToMaturityFromAvailableForSaleSecuritiesNetOfTax
2640233
CY2015 cizn Federal Deposit Insurance Special Deposit Insurance Assessment
FederalDepositInsuranceSpecialDepositInsuranceAssessment
751979
CY2015 cizn Card And Processing Expense
CardAndProcessingExpense
337476
CY2015 cizn Write Downs And Net Gain Loss On Sales Of Real Estate Owned
WriteDownsAndNetGainLossOnSalesOfRealEstateOwned
-156053
CY2015 cizn Write Downs Of Other Real Estate Owned To Fair Value
WriteDownsOfOtherRealEstateOwnedToFairValue
0
CY2015 cizn Increase Decrease In Federal Home Loan Bank Stock Dividends
IncreaseDecreaseInFederalHomeLoanBankStockDividends
-4500
CY2015 cizn Real Estate Acquisitions Through Foreclosures Covered
RealEstateAcquisitionsThroughForeclosuresCovered
869564
CY2017 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.96
CY2017 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2017 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2017
CY2017 dei Document Type
DocumentType
10-K
CY2017 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.76
CY2017 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.35 pure
CY2017 dei Entity Central Index Key
EntityCentralIndexKey
0001075706
CY2017 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2017 us-gaap Net Cash Provided By Used In Operating Activities Continuing Operations
NetCashProvidedByUsedInOperatingActivitiesContinuingOperations
10619652
CY2017 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 2015 and 2016 has been reclassified to conform to the financial presentation for 2017. Such reclassifications had no effect on net income or shareholders&#x2019; equity.</font></p> </div>
CY2017 us-gaap Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Outstanding Options Weighted Average Remaining Contractual Term2
SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2
P2Y3M
CY2017 dei Trading Symbol
TradingSymbol
CIZN
CY2017 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4895848 shares
CY2017 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4878691 shares
CY2017 dei Amendment Flag
AmendmentFlag
false
CY2017 us-gaap Sale Leaseback Transaction Lease Terms
SaleLeasebackTransactionLeaseTerms
Under the new guidance, a lessee will be required to recognize assets and liabilities for leases with lease terms of more than 12 months.
CY2017 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
17157 shares
CY2017 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2017 us-gaap Defined Contribution Plan Employer Matching Contribution Percent Of Match
DefinedContributionPlanEmployerMatchingContributionPercentOfMatch
0.50 pure
CY2017 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.76
CY2017 dei Document Period End Date
DocumentPeriodEndDate
2017-12-31
CY2017 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2017 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2017 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
3 Loan
CY2017 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
0 shares
CY2017 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; MARGIN-TOP: 12px" 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>
CY2017 dei Entity Registrant Name
EntityRegistrantName
CITIZENS HOLDING CO /MS/
CY2017 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2017 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2910848
CY2017 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-269466
CY2017 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
1074443
CY2017 us-gaap Gain Loss On Sale Of Securities Net
GainLossOnSaleOfSecuritiesNet
104708
CY2017 us-gaap Fees And Commissions Other
FeesAndCommissionsOther
2637947
CY2017 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
104708
CY2017 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
96663
CY2017 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-3316537
CY2017 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
11787672
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