$CIZN
CITIZENS HOLDING CO /MS/

2019 Q2 Form 10-Q Financial Statement

#000119312519217492 Filed on August 09, 2019

View on sec.gov

Income Statement

Concept 2019 Q2 2018 Q2
Revenue $8.651M $7.779M
YoY Change 11.2% -0.81%
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
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $2.445M $826.5K
YoY Change 195.76% -0.39%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $1.690M $1.994M
YoY Change -15.23% -11.56%
Income Tax $319.5K $305.9K
% Of Pretax Income 18.9% 15.34%
Net Earnings $1.371M $1.688M
YoY Change -18.8% -5.34%
Net Earnings / Revenue 15.85% 21.7%
Basic Earnings Per Share $0.28 $0.35
Diluted Earnings Per Share $0.28 $0.35
COMMON SHARES
Basic Shares Outstanding 4.898M 4.890M
Diluted Shares Outstanding 4.901M 4.895M

Balance Sheet

Concept 2019 Q2 2018 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $21.75M $12.64M
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 $20.17M $19.89M
YoY Change 1.38% -2.13%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $2.800M $7.500M
YoY Change -62.67% 13.64%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.034B $963.1M
YoY Change 7.37% -5.36%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $700.0K $200.0K
YoY Change 250.0% 0.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $131.3M $86.60M
YoY Change 51.62% -24.89%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $700.0K $200.0K
YoY Change 250.0% 0.0%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00
YoY Change
Other Long-Term Liabilities $11.00M $10.00M
YoY Change 10.0% 6.38%
Total Long-Term Liabilities $11.00M $10.00M
YoY Change 10.0% 6.38%
TOTAL LIABILITIES
Total Short-Term Liabilities $700.0K $200.0K
Total Long-Term Liabilities $11.00M $10.00M
Total Liabilities $937.9M $881.4M
YoY Change 6.41% -4.69%
SHAREHOLDERS EQUITY
Retained Earnings $93.80M $92.70M
YoY Change 1.19% 0.9%
Common Stock $5.361M $5.197M
YoY Change 3.17% 4.1%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $96.14M $81.68M
YoY Change
Total Liabilities & Shareholders Equity $1.034B $963.1M
YoY Change 7.37% -5.36%

Cashflow Statement

Concept 2019 Q2 2018 Q2
OPERATING ACTIVITIES
Net Income $1.371M $1.688M
YoY Change -18.8% -5.34%
Depreciation, Depletion And Amortization
YoY Change
Cash From Operating Activities $3.310M $2.830M
YoY Change 16.96% 8.02%
INVESTING ACTIVITIES
Capital Expenditures -$830.0K -$20.00K
YoY Change 4050.0% -98.21%
Acquisitions
YoY Change
Other Investing Activities $37.42M $11.02M
YoY Change 239.56% -62.21%
Cash From Investing Activities $36.58M $11.00M
YoY Change 232.55% -60.78%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -30.61M -14.38M
YoY Change 112.87% -60.4%
NET CHANGE
Cash From Operating Activities 3.310M 2.830M
Cash From Investing Activities 36.58M 11.00M
Cash From Financing Activities -30.61M -14.38M
Net Change In Cash 9.280M -550.0K
YoY Change -1787.27% -90.25%
FREE CASH FLOW
Cash From Operating Activities $3.310M $2.830M
Capital Expenditures -$830.0K -$20.00K
Free Cash Flow $4.140M $2.850M
YoY Change 45.26% -23.8%

Facts In Submission

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us-gaap Use Of Estimates
UseOfEstimates
<div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 18pt; margin-bottom: 0pt; background: none;"><div style="background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;"><div style="text-decoration:underline;display:inline;">Estimates </div></div></div><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 6pt; margin-bottom: 0pt; background: none;"><div style="background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">The preparation of consolidated 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 consolidated financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. </div></div><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; background: none; line-height: 12pt;">&#160;</div><div style="font-size: 1px; margin-top: 0px; margin-bottom: 0px; background: none;"><div style="background: none; color: rgb(0, 0, 0); text-decoration: none; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; background: none;"><div style="background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">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. </div></div><div style="font-family: &quot;times new roman&quot;; font-size: 10pt; margin-top: 12pt; margin-bottom: 0pt; background: none;"><div style="background: none; color: rgb(0, 0, 0); letter-spacing: 0px; top: 0px;;display:inline;">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&#8217;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. </div></div><table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2019Q2 us-gaap Unused Commitments To Extend Credit
UnusedCommitmentsToExtendCredit
57647121
CY2018Q4 us-gaap Unused Commitments To Extend Credit
UnusedCommitmentsToExtendCredit
58835208
CY2019Q2 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2492810
CY2018Q4 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2516810
CY2019Q2 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.189
CY2018Q2 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.153
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.165
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.154
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
264000
CY2019Q3 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
4912030

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