$CIZN
CITIZENS HOLDING CO /MS/

2019 Form 10-K Financial Statement

#000119312520072154 Filed on March 13, 2020

View on sec.gov

Income Statement

Concept 2019 2018 Q4 2018
Revenue $35.36M $31.36M
YoY Change 12.77% 2.8%
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 $899.0K $937.0K
YoY Change -4.06% -6.58%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $9.722M $4.459M
YoY Change 118.03% 33.38%
% of Operating Profit
Other Income/Expense, Net $2.402M $2.582M
YoY Change -6.97% -7.82%
Pretax Income $7.256M $1.660M $7.501M
YoY Change -3.27% -10.27% -3.52%
Income Tax $1.354M -$60.00K $828.0K
% Of Pretax Income 18.66% -3.61% 11.04%
Net Earnings $5.902M $1.720M $6.673M
YoY Change -11.55% -253.57% 80.16%
Net Earnings / Revenue 16.69% 21.28%
Basic Earnings Per Share $1.17 $1.36
Diluted Earnings Per Share $1.17 $351.0K $1.36
COMMON SHARES
Basic Shares Outstanding 5.064M 4.905M shares 4.889M
Diluted Shares Outstanding 5.066M 4.899M

Balance Sheet

Concept 2019 2018 Q4 2018
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $12.59M
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 $24.70M $19.72M $19.70M
YoY Change 25.38% -4.15% -4.37%
Goodwill $3.150M
YoY Change 0.01%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $3.700M $6.600M $6.600M
YoY Change -43.94% 22.22% 22.22%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $1.195B $958.6M $958.6M
YoY Change 24.7% -3.47% -3.47%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $1.100M $500.0K $500.0K
YoY Change 120.0% 150.0% 150.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $170.4M $108.0M $108.0M
YoY Change 57.78% -25.0% -25.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $1.100M $500.0K $500.0K
YoY Change 120.0% 150.0% 150.0%
LONG-TERM LIABILITIES
Long-Term Debt $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $12.10M $10.10M $10.10M
YoY Change 19.8% 3.06% 3.06%
Total Long-Term Liabilities $12.10M $10.10M $10.10M
YoY Change 19.8% 3.06% 3.06%
TOTAL LIABILITIES
Total Short-Term Liabilities $1.100M $500.0K $500.0K
Total Long-Term Liabilities $12.10M $10.10M $10.10M
Total Liabilities $1.083B $874.8M $874.8M
YoY Change 23.75% -3.3% -3.29%
SHAREHOLDERS EQUITY
Retained Earnings $93.56M
YoY Change 2.15%
Common Stock $5.279M
YoY Change 3.87%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $112.8M $83.87M $83.90M
YoY Change
Total Liabilities & Shareholders Equity $1.195B $958.6M $958.6M
YoY Change 24.7% -3.47% -3.47%

Cashflow Statement

Concept 2019 2018 Q4 2018
OPERATING ACTIVITIES
Net Income $5.902M $1.720M $6.673M
YoY Change -11.55% -253.57% 80.16%
Depreciation, Depletion And Amortization $899.0K $937.0K
YoY Change -4.06% -6.58%
Cash From Operating Activities $11.95M $3.340M $12.17M
YoY Change -1.84% 28.96% 14.62%
INVESTING ACTIVITIES
Capital Expenditures $1.042M -$80.00K $346.0K
YoY Change 201.16% 14.29% -88.11%
Acquisitions
YoY Change
Other Investing Activities -$23.69M $6.500M $17.98M
YoY Change -231.76% -74.37% -37.83%
Cash From Investing Activities -$73.66M $6.420M $17.63M
YoY Change -517.75% -74.61% -32.21%
FINANCING ACTIVITIES
Cash Dividend Paid $4.874M $4.706M
YoY Change 3.57% 0.19%
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 65.06M -9.780M -35.18M
YoY Change -284.96% -68.15% -12.84%
NET CHANGE
Cash From Operating Activities 11.95M 3.340M 12.17M
Cash From Investing Activities -73.66M 6.420M 17.63M
Cash From Financing Activities 65.06M -9.780M -35.18M
Net Change In Cash 3.345M -20.00K -5.371M
YoY Change -162.28% -99.29% 44.15%
FREE CASH FLOW
Cash From Operating Activities $11.95M $3.340M $12.17M
Capital Expenditures $1.042M -$80.00K $346.0K
Free Cash Flow $10.91M $3.420M $11.83M
YoY Change -7.78% 28.57% 53.41%

Facts In Submission

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0.20
CY2019Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
22500000
CY2018Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
22500000
CY2019Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
5578131
CY2019Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
5578131
CY2018Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
4904530
CY2018Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
4904530
CY2019Q4 cizn Accumulated Other Comprehensive Income Loss Tax
AccumulatedOtherComprehensiveIncomeLossTax
-262000
CY2018Q4 cizn Accumulated Other Comprehensive Income Loss Tax
AccumulatedOtherComprehensiveIncomeLossTax
-4978000
CY2019 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
7993000
CY2018 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
8345000
CY2017 us-gaap Interest Income Securities Taxable
InterestIncomeSecuritiesTaxable
8179000
CY2019 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
1808000
CY2018 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
2579000
CY2017 us-gaap Interest Income Securities Tax Exempt
InterestIncomeSecuritiesTaxExempt
3319000
CY2019 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
908000
CY2018 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
193000
CY2017 us-gaap Other Interest And Dividend Income
OtherInterestAndDividendIncome
273000
CY2019 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
35361000
CY2018 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
31358000
CY2017 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
30505000
CY2019 us-gaap Interest Expense Deposits
InterestExpenseDeposits
7719000
CY2018 us-gaap Interest Expense Deposits
InterestExpenseDeposits
2811000
CY2017 us-gaap Interest Expense Deposits
InterestExpenseDeposits
1922000
CY2019 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
2003000
CY2018 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
1648000
CY2017 us-gaap Interest Expense Borrowings
InterestExpenseBorrowings
1421000
CY2019 us-gaap Interest Expense
InterestExpense
9722000
CY2018 us-gaap Interest Expense
InterestExpense
4459000
CY2017 us-gaap Interest Expense
InterestExpense
3343000
CY2019 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
25639000
CY2018 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
26899000
CY2017 us-gaap Interest Income Expense Net
InterestIncomeExpenseNet
27162000
CY2019 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
573000
CY2018 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
334000
CY2017 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-543000
CY2019 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
25066000
CY2018 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
26565000
CY2017 us-gaap Interest Income Expense After Provision For Loan Loss
InterestIncomeExpenseAfterProvisionForLoanLoss
27705000
CY2019 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
191000
CY2018 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
11000
CY2017 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
105000
CY2019 us-gaap Noninterest Income
NoninterestIncome
9748000
CY2018 us-gaap Noninterest Income
NoninterestIncome
8600000
CY2017 us-gaap Noninterest Income
NoninterestIncome
8297000
CY2019 us-gaap Labor And Related Expense
LaborAndRelatedExpense
14883000
CY2018 us-gaap Labor And Related Expense
LaborAndRelatedExpense
14530000
CY2017 us-gaap Labor And Related Expense
LaborAndRelatedExpense
14772000
CY2019 us-gaap Occupancy Net
OccupancyNet
2099000
CY2018 us-gaap Occupancy Net
OccupancyNet
2017000
CY2017 us-gaap Occupancy Net
OccupancyNet
2175000
CY2019 us-gaap Other Noninterest Expense
OtherNoninterestExpense
7430000
CY2018 us-gaap Professional Fees
ProfessionalFees
561000
CY2019Q4 us-gaap Deposits
Deposits
898996000
CY2018 us-gaap Other Noninterest Expense
OtherNoninterestExpense
7404000
CY2017 us-gaap Other Noninterest Expense
OtherNoninterestExpense
8070000
CY2019 us-gaap Noninterest Expense
NoninterestExpense
27558000
CY2018 us-gaap Noninterest Expense
NoninterestExpense
27664000
CY2017 us-gaap Noninterest Expense
NoninterestExpense
28227000
CY2019Q4 us-gaap Deposits Money Market Deposits And Negotiable Order Of Withdrawal Now
DepositsMoneyMarketDepositsAndNegotiableOrderOfWithdrawalNOW
369354000
CY2018Q4 us-gaap Deposits Money Market Deposits And Negotiable Order Of Withdrawal Now
DepositsMoneyMarketDepositsAndNegotiableOrderOfWithdrawalNOW
298220000
CY2019Q4 cizn Time Deposits Of250000 Or More
TimeDepositsOf250000OrMore
74098000
CY2018Q4 cizn Time Deposits Of250000 Or More
TimeDepositsOf250000OrMore
65407000
CY2018Q4 us-gaap Deposits
Deposits
756222000
CY2019Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
83065000
CY2019Q4 cizn Other Time Deposits
OtherTimeDeposits
182073000
CY2018Q4 us-gaap Deposits Savings Deposits
DepositsSavingsDeposits
76736000
CY2018Q4 cizn Other Time Deposits
OtherTimeDeposits
145829000
CY2019 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
14329000
CY2018 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
-6742000
CY2017 us-gaap Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Net Of Tax
OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax
4161000
CY2019 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
143000
CY2018 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
8000
CY2017 us-gaap Other Comprehensive Income Loss Reclassification Adjustment From Aoci For Sale Of Securities Net Of Tax
OtherComprehensiveIncomeLossReclassificationAdjustmentFromAOCIForSaleOfSecuritiesNetOfTax
79000
CY2019Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable
0
CY2018Q4 us-gaap Federal Home Loan Bank Advances General Debt Obligations Disclosures Maximum Amount Available
FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable
0
CY2019 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
7256000
CY2018 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
7501000
CY2017 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
7775000
CY2019 us-gaap Equipment Expense
EquipmentExpense
3146000
CY2018 us-gaap Equipment Expense
EquipmentExpense
3713000
CY2017 us-gaap Equipment Expense
EquipmentExpense
3210000
CY2019 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
2015000
CY2018 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
1148000
CY2017 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
1315000
CY2019 us-gaap Advertising Expense
AdvertisingExpense
551000
CY2018 us-gaap Advertising Expense
AdvertisingExpense
640000
CY2017 us-gaap Advertising Expense
AdvertisingExpense
650000
CY2019 us-gaap Supplies Expense
SuppliesExpense
973000
CY2018 us-gaap Supplies Expense
SuppliesExpense
975000
CY2017 us-gaap Supplies Expense
SuppliesExpense
1009000
CY2019 us-gaap Professional Fees
ProfessionalFees
1668000
CY2018 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4889420
CY2017 us-gaap Other Expenses
OtherExpenses
2801000
CY2019 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
5063736
CY2019 cizn Loan Collection Expense
LoanCollectionExpense
286000
CY2017 us-gaap Professional Fees
ProfessionalFees
515000
CY2019 cizn Federal Deposit Insurance Special Deposit Insurance Assessment
FederalDepositInsuranceSpecialDepositInsuranceAssessment
274000
CY2018 cizn Federal Deposit Insurance Special Deposit Insurance Assessment
FederalDepositInsuranceSpecialDepositInsuranceAssessment
350000
CY2017 cizn Federal Deposit Insurance Special Deposit Insurance Assessment
FederalDepositInsuranceSpecialDepositInsuranceAssessment
417000
CY2019 us-gaap Communication
Communication
501000
CY2018 us-gaap Communication
Communication
520000
CY2017 us-gaap Communication
Communication
530000
CY2019 cizn Postage And Freight Expense
PostageAndFreightExpense
-49000
CY2018 cizn Postage And Freight Expense
PostageAndFreightExpense
567000
CY2017 cizn Postage And Freight Expense
PostageAndFreightExpense
545000
CY2018 cizn Loan Collection Expense
LoanCollectionExpense
288000
CY2017 cizn Loan Collection Expense
LoanCollectionExpense
472000
CY2019 us-gaap Provision For Other Losses
ProvisionForOtherLosses
73000
CY2018 us-gaap Provision For Other Losses
ProvisionForOtherLosses
243000
CY2017 us-gaap Provision For Other Losses
ProvisionForOtherLosses
463000
CY2019 cizn Card And Processing Expense
CardAndProcessingExpense
551000
CY2018 cizn Card And Processing Expense
CardAndProcessingExpense
471000
CY2017 cizn Card And Processing Expense
CardAndProcessingExpense
413000
CY2019 cizn Travel And Convention Expense
TravelAndConventionExpense
200000
CY2018 cizn Travel And Convention Expense
TravelAndConventionExpense
207000
CY2017 cizn Travel And Convention Expense
TravelAndConventionExpense
255000
CY2019 us-gaap Other Expenses
OtherExpenses
2402000
CY2018 us-gaap Other Expenses
OtherExpenses
2582000
CY2017 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4878691
CY2017 us-gaap Proceeds From Maturities Prepayments And Calls Of Available For Sale Securities
ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities
42390000
CY2017 us-gaap Proceeds From Sale Of Available For Sale Securities
ProceedsFromSaleOfAvailableForSaleSecurities
114061000
CY2018 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
9798
CY2017 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
17157
CY2018 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.36
CY2017 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.76
CY2019 us-gaap Weighted Average Number Diluted Shares Outstanding Adjustment
WeightedAverageNumberDilutedSharesOutstandingAdjustment
2367
CY2019 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
5066103
CY2018 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4899218
CY2017 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4895848
CY2019 us-gaap Net Income Loss
NetIncomeLoss
5902000
CY2018 us-gaap Net Income Loss
NetIncomeLoss
6673000
CY2017 us-gaap Net Income Loss
NetIncomeLoss
3704000
CY2019 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.17
CY2018 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
1.36
CY2017 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
0.76
CY2019 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.17
CY2019 cizn Interest Bearing Deposits Maturity Period
InterestBearingDepositsMaturityPeriod
P1Y
CY2019Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
0
CY2018Q4 us-gaap Held To Maturity Securities
HeldToMaturitySecurities
0
CY2019 cizn Minimum Period For Loans On Nonaccrual Status To Be Considered Nonperforming
MinimumPeriodForLoansOnNonaccrualStatusToBeConsideredNonperforming
P90D
CY2019Q4 us-gaap Related Party Deposit Liabilities
RelatedPartyDepositLiabilities
5406000
CY2018Q4 us-gaap Related Party Deposit Liabilities
RelatedPartyDepositLiabilities
5606000
CY2019 us-gaap Depreciation Nonproduction
DepreciationNonproduction
912000
CY2018 us-gaap Depreciation Nonproduction
DepreciationNonproduction
937000
CY2017 us-gaap Depreciation Nonproduction
DepreciationNonproduction
1003000
CY2019 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-5294000
CY2018 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-3283000
CY2017 us-gaap Accretion Amortization Of Discounts And Premiums Investments
AccretionAmortizationOfDiscountsAndPremiumsInvestments
-3317000
CY2019 us-gaap Share Based Compensation
ShareBasedCompensation
163000
CY2018 us-gaap Share Based Compensation
ShareBasedCompensation
170000
CY2017 us-gaap Share Based Compensation
ShareBasedCompensation
211000
CY2019 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
573000
CY2018 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
334000
CY2017 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-543000
CY2019 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
191000
CY2018 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
11000
CY2017 us-gaap Debt And Equity Securities Gain Loss
DebtAndEquitySecuritiesGainLoss
105000
CY2017 cizn Write Downs And Net Gain Loss On Sales Of Real Estate Owned
WriteDownsAndNetGainLossOnSalesOfRealEstateOwned
-414000
CY2019 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
709000
CY2018 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
771000
CY2017 us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
722000
CY2019 us-gaap Increase Decrease In Deferred Compensation
IncreaseDecreaseInDeferredCompensation
400000
CY2018 us-gaap Increase Decrease In Deferred Compensation
IncreaseDecreaseInDeferredCompensation
432000
CY2017 us-gaap Increase Decrease In Deferred Compensation
IncreaseDecreaseInDeferredCompensation
411000
CY2019 us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
722000
CY2018 us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
407000
CY2017 us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
1224000
CY2017 us-gaap Payments To Acquire Available For Sale Securities
PaymentsToAcquireAvailableForSaleSecurities
162449000
CY2017 us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
10619000
CY2019 us-gaap Increase Decrease In Federal Funds Sold
IncreaseDecreaseInFederalFundsSold
-1600000
CY2019 us-gaap Proceeds From Life Insurance Policies
ProceedsFromLifeInsurancePolicies
1549000
CY2017 us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
2911000
CY2017 us-gaap Proceeds From Sale Of Foreclosed Assets
ProceedsFromSaleOfForeclosedAssets
138000
CY2019 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
-48927000
CY2018 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
-6547000
CY2017 us-gaap Proceeds From Payments For In Interest Bearing Deposits In Banks
ProceedsFromPaymentsForInInterestBearingDepositsInBanks
47071000
CY2019 us-gaap Payments To Acquire Investments
PaymentsToAcquireInvestments
317000
CY2018 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
476000
CY2017 us-gaap Payments To Acquire Federal Home Loan Bank Stock
PaymentsToAcquireFederalHomeLoanBankStock
499000
CY2017 us-gaap Payments For Proceeds From Loans And Leases
PaymentsForProceedsFromLoansAndLeases
11788000
CY2019 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-73662000
CY2018 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
17633000
CY2017 us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
26013000
CY2019Q4 us-gaap Unused Commitments To Extend Credit
UnusedCommitmentsToExtendCredit
94009000
CY2018Q4 us-gaap Unused Commitments To Extend Credit
UnusedCommitmentsToExtendCredit
58835000
CY2019Q4 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2436000
CY2018Q4 us-gaap Letters Of Credit Outstanding Amount
LettersOfCreditOutstandingAmount
2517000
CY2018 us-gaap Increase Decrease In Federal Funds Purchased
IncreaseDecreaseInFederalFundsPurchased
1500000
CY2017 us-gaap Increase Decrease In Federal Funds Purchased
IncreaseDecreaseInFederalFundsPurchased
-1500000
CY2017 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
93000
CY2019 cizn Proceeds From Repayments Of Fhl Bank Borrowings Financing Activities
ProceedsFromRepaymentsOfFHLBankBorrowingsFinancingActivities
-8969000
CY2018 cizn Proceeds From Repayments Of Fhl Bank Borrowings Financing Activities
ProceedsFromRepaymentsOfFHLBankBorrowingsFinancingActivities
-30000000
CY2017 cizn Proceeds From Repayments Of Fhl Bank Borrowings Financing Activities
ProceedsFromRepaymentsOfFHLBankBorrowingsFinancingActivities
10000000
CY2017 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-40358000
CY2017 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-3726000
CY2016Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
21689000
CY2019 us-gaap Interest Paid Net
InterestPaidNet
9065000
CY2018 us-gaap Interest Paid Net
InterestPaidNet
4186000
CY2017 us-gaap Interest Paid Net
InterestPaidNet
3344000
CY2019 us-gaap Income Taxes Paid
IncomeTaxesPaid
685000
CY2018 us-gaap Income Taxes Paid
IncomeTaxesPaid
410000
CY2017 us-gaap Income Taxes Paid
IncomeTaxesPaid
1782000
CY2019 cizn Real Estate Acquisitions Through Foreclosures Covered
RealEstateAcquisitionsThroughForeclosuresCovered
385000
CY2018 cizn Real Estate Acquisitions Through Foreclosures Covered
RealEstateAcquisitionsThroughForeclosuresCovered
260000
CY2017 cizn Real Estate Acquisitions Through Foreclosures Covered
RealEstateAcquisitionsThroughForeclosuresCovered
89000
CY2019 us-gaap Defined Contribution Plan Employer Matching Contribution Percent Of Match
DefinedContributionPlanEmployerMatchingContributionPercentOfMatch
0.50
CY2019 cizn Defined Contribution Plan Service Period For Eligibility
DefinedContributionPlanServicePeriodForEligibility
P1Y
CY2019 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
605000
CY2018 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
590000
CY2017 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
-48000
CY2017 us-gaap Effective Income Tax Rate Reconciliation Tax Cuts And Jobs Act Of2017 Amount
EffectiveIncomeTaxRateReconciliationTaxCutsAndJobsActOf2017Amount
2559000
CY2017 us-gaap Defined Contribution Plan Cost Recognized
DefinedContributionPlanCostRecognized
538000
CY2019 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
62444000
CY2019 us-gaap Payments Of Dividends
PaymentsOfDividends
4874000
CY2018 us-gaap Payments Of Dividends
PaymentsOfDividends
4706000
CY2017 us-gaap Payments Of Dividends
PaymentsOfDividends
4697000
CY2019 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
145000
CY2018 us-gaap State And Local Income Tax Expense Benefit Continuing Operations
StateAndLocalIncomeTaxExpenseBenefitContinuingOperations
133000
CY2019 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
1524000
CY2018 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
1575000
CY2017 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
2643000
CY2019Q4 us-gaap Tier One Risk Based Capital To Risk Weighted Assets
TierOneRiskBasedCapitalToRiskWeightedAssets
0.04
CY2019Q4 us-gaap Capital To Risk Weighted Assets
CapitalToRiskWeightedAssets
0.08
CY2019 us-gaap Use Of Estimates
UseOfEstimates
<div style="margin-top: 18px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;"><div style="text-decoration:underline;display:inline;">Estimates </div></div></div><div style="margin-top: 6px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">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. </div></div><div style="margin-top: 12px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; 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="margin-top: 12px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; 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>
CY2019 us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<div style="margin-top: 18px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;"><div style="text-decoration:underline;display:inline;">Reclassifications </div></div></div><div style="margin-top: 6px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">Certain information for 2017 and 2018 has been reclassified to conform to the financial presentation for 2019. Such reclassifications had no effect on net income or shareholders&#8217; equity. </div></div> <table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Financial Liabilities
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialLiabilities
126316000
CY2019Q4 us-gaap Preferred Stock Redemption Price Per Share
PreferredStockRedemptionPricePerShare
100
CY2018Q4 us-gaap Preferred Stock Redemption Price Per Share
PreferredStockRedemptionPricePerShare
100
CY2019 us-gaap Available For Sale Securities Gross Realized Gains
AvailableForSaleSecuritiesGrossRealizedGains
414000
CY2018 us-gaap Available For Sale Securities Gross Realized Gains
AvailableForSaleSecuritiesGrossRealizedGains
171000
CY2017 us-gaap Available For Sale Securities Gross Realized Gains
AvailableForSaleSecuritiesGrossRealizedGains
633000
CY2019 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
223000
CY2018 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
160000
CY2017 us-gaap Available For Sale Securities Gross Realized Losses
AvailableForSaleSecuritiesGrossRealizedLosses
528000
CY2019 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
191000
CY2018 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
11000
CY2017 us-gaap Available For Sale Securities Gross Realized Gain Loss Net
AvailableForSaleSecuritiesGrossRealizedGainLossNet
105000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Noncurrent Liabilities Long Term Debt
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesLongTermDebt
8969000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Noncurrent Liabilities Other
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNoncurrentLiabilitiesOther
2151000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Liabilities
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities
137436000
CY2019Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
42238000
CY2018Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
33064000
CY2019Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
17566000
CY2018Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
13347000
CY2019Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
24672000
CY2018Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
19717000
CY2019 us-gaap Operating Lease Cost
OperatingLeaseCost
370000
CY2019 us-gaap Short Term Lease Cost
ShortTermLeaseCost
23000
CY2019 us-gaap Lease Cost
LeaseCost
393000
CY2019 us-gaap Depreciation
Depreciation
899000
CY2019Q4 us-gaap Intangible Assets Net Including Goodwill
IntangibleAssetsNetIncludingGoodwill
9953000
CY2019Q4 us-gaap Finitelived Intangible Assets Acquired1
FinitelivedIntangibleAssetsAcquired1
10719000
CY2018 us-gaap Depreciation
Depreciation
937000
CY2017 us-gaap Depreciation
Depreciation
1003000
CY2019Q4 us-gaap Business Acquisition Equity Interests Issued Or Issuable Number Of Shares Issued
BusinessAcquisitionEquityInterestsIssuedOrIssuableNumberOfSharesIssued
666101
CY2019Q4 us-gaap Business Acquisition Share Price
BusinessAcquisitionSharePrice
20.35
CY2019Q4 us-gaap Business Combination Consideration Transferred Equity Interests Issued And Issuable
BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable
13555000
CY2019Q4 us-gaap Payments To Acquire Businesses Gross
PaymentsToAcquireBusinessesGross
6110000
CY2019Q4 cizn Cash Paid For Fractional Shares
CashPaidForFractionalShares
3000
CY2019Q4 us-gaap Business Combination Consideration Transferred1
BusinessCombinationConsiderationTransferred1
19668000
CY2019Q4 us-gaap Stockholders Equity Including Portion Attributable To Noncontrolling Interest Adjusted Balance1
StockholdersEquityIncludingPortionAttributableToNoncontrollingInterestAdjustedBalance1
11383000
CY2019Q4 cizn Increase Decrease To Net Assets As A Result Of Fair Value Adjustments To Securities
IncreaseDecreaseToNetAssetsAsAResultOfFairValueAdjustmentsToSecurities
-237000
CY2019Q4 cizn Increase Decrease To Net Assets As A Result Of Fair Value Adjustments To Loan Including Loans Held For Sale
IncreaseDecreaseToNetAssetsAsAResultOfFairValueAdjustmentsToLoanIncludingLoansHeldForSale
-347000
CY2019Q4 cizn Increasedecrease To Net Assets As A Result Of Fair Value Adjustments To Premises And Equipment
IncreasedecreaseToNetAssetsAsAResultOfFairValueAdjustmentsToPremisesAndEquipment
-1252000
CY2019Q4 cizn Increase Decrease To Net Assets As A Result Of Fair Value Adjustments To Intangible Asset
IncreaseDecreaseToNetAssetsAsAResultOfFairValueAdjustmentsToIntangibleAsset
575000
CY2019Q4 cizn Increasedecrease To Net Assets As A Result Of Fair Value Adjustments To Other Asset
IncreasedecreaseToNetAssetsAsAResultOfFairValueAdjustmentsToOtherAsset
-272000
CY2019Q4 cizn Increase Decrease To Net Assets As A Result Of Fair Value Adjustments To Deposit
IncreaseDecreaseToNetAssetsAsAResultOfFairValueAdjustmentsToDeposit
-135000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Net
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet
9715000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Cash And Equivalents
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents
7343000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Financial Assets
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFinancialAssets
26607000
CY2019Q4 cizn Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Loans Receivable
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable
103665000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Property Plant And Equipment
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedPropertyPlantAndEquipment
4813000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Intangible Assets Other Than Goodwill
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill
10719000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Other Noncurrent Assets
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets
3957000
CY2019Q4 us-gaap Business Combination Recognized Identifiable Assets Acquired And Liabilities Assumed Assets
BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets
157104000
CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
109000
CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
109000
CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
109000
CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
109000
CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive
109000
CY2019Q4 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive
194000
CY2019Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
739000
CY2018Q4 us-gaap Goodwill
Goodwill
3150000
CY2019 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
9953000
CY2019Q4 us-gaap Goodwill
Goodwill
13103000
CY2019Q4 us-gaap Finite Lived Core Deposits Gross
FiniteLivedCoreDepositsGross
766000
CY2019Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
-27000
CY2019Q4 us-gaap Share Based Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Number Of Outstanding Options
ShareBasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeNumberOfOutstandingOptions
40500000
CY2019Q4 us-gaap Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Outstanding Options Weighted Average Exercise Price Beginning Balance1
SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageExercisePriceBeginningBalance1
21490
CY2019 us-gaap Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Outstanding Options Weighted Average Remaining Contractual Term2
SharebasedCompensationSharesAuthorizedUnderStockOptionPlansExercisePriceRangeOutstandingOptionsWeightedAverageRemainingContractualTerm2
P0D
CY2019 dei Document Type
DocumentType
10-K
CY2019 dei Amendment Flag
AmendmentFlag
false
CY2019 dei Document Period End Date
DocumentPeriodEndDate
2019-12-31
CY2019 dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2019
CY2019 dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
FY
CY2019 dei Trading Symbol
TradingSymbol
CIZN
CY2019 dei Entity Central Index Key
EntityCentralIndexKey
0001075706
CY2017 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
4082000
CY2019 dei Entity Address State Or Province
EntityAddressStateOrProvince
MS
CY2019Q4 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Nonvested Number Of Shares
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsNonvestedNumberOfShares
12000000
CY2019Q4 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized
54000
CY2019 dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
CY2019 dei Entity Shell Company
EntityShellCompany
false
CY2019 dei Entity Small Business
EntitySmallBusiness
true
CY2019 dei Entity Emerging Growth Company
EntityEmergingGrowthCompany
false
CY2019 dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
CY2019 dei Entity Interactive Data Current
EntityInteractiveDataCurrent
Yes
CY2019 dei Security12b Title
Security12bTitle
Common Stock
CY2019 dei Security Exchange Name
SecurityExchangeName
NASDAQ
CY2019Q4 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
4576000
CY2018Q4 us-gaap Assets Fair Value Disclosure
AssetsFairValueDisclosure
3554000
CY2019 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod
0
CY2018 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod
0
CY2019Q4 us-gaap Federal Funds Sold
FederalFundsSold
1600000
CY2019Q4 us-gaap Securities Loaned Or Sold Under Agreements To Repurchase Fair Value Disclosure
SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
170410000
CY2018Q4 us-gaap Securities Loaned Or Sold Under Agreements To Repurchase Fair Value Disclosure
SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure
107965000
CY2019 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
0
CY2018 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
24000
CY2019 dei Entity Well Known Seasoned Issuer
EntityWellKnownSeasonedIssuer
No
CY2019 dei Entity Voluntary Filers
EntityVoluntaryFilers
No
CY2019Q2 dei Entity Public Float
EntityPublicFloat
92106467
CY2020Q1 dei Entity Common Stock Shares Outstanding
EntityCommonStockSharesOutstanding
5578131
CY2019 dei Entity Registrant Name
EntityRegistrantName
CITIZENS HOLDING CO /MS/
CY2019 dei Entity Filer Category
EntityFilerCategory
Accelerated Filer
CY2019 cizn Gain Loss From Death Benefit Proceeds On Boli
GainLossFromDeathBenefitProceedsOnBoli
371000
CY2019 cizn Gain Loss On Sale Of Other Real Estate Owned
GainLossOnSaleOfOtherRealEstateOwned
311000
CY2019 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-382000
CY2018 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-285000
CY2017 us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-269000
CY2019 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
166000
CY2018 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
273000
CY2017 us-gaap Increase Decrease In Interest Payable Net
IncreaseDecreaseInInterestPayableNet
-1000
CY2019 cizn Issuance Of Common Stock In Conjunction With Acquisition Activities
IssuanceOfCommonStockInConjunctionWithAcquisitionActivities
13557000
CY2016Q4 us-gaap Stockholders Equity
StockholdersEquity
85059000
CY2017 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
4697000
CY2017 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
93000
CY2017Q4 us-gaap Stockholders Equity
StockholdersEquity
88452000
CY2018 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
4706000
CY2018 us-gaap Stock Issued During Period Value Stock Options Exercised
StockIssuedDuringPeriodValueStockOptionsExercised
27000
CY2018 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
-6750000
CY2019 us-gaap Stock Issued During Period Value Acquisitions
StockIssuedDuringPeriodValueAcquisitions
13557000
CY2017 us-gaap Financing Receivable Modifications Post Modification Recorded Investment2
FinancingReceivableModificationsPostModificationRecordedInvestment2
3288000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
345000
CY2017 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.96
CY2017 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
211000
CY2018 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.96
CY2018 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
170000
CY2019 us-gaap Dividends Common Stock Cash
DividendsCommonStockCash
4874000
CY2019 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue
163000
CY2019 us-gaap Other Comprehensive Income Loss Net Of Tax
OtherComprehensiveIncomeLossNetOfTax
14186000
CY2019Q4 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
345000
CY2017 cizn Financing Receivable Modifications Collections During Period
FinancingReceivableModificationsCollectionsDuringPeriod
241000
CY2019 us-gaap Common Stock Dividends Per Share Cash Paid
CommonStockDividendsPerShareCashPaid
0.96
CY2017 us-gaap Increase Decrease In Deposits
IncreaseDecreaseInDeposits
-39469000
CY2018 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-34532000
CY2017 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-7785000
CY2018Q4 us-gaap Loans And Leases Receivable Related Parties
LoansAndLeasesReceivableRelatedParties
2941000
CY2019 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
806000
CY2019 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
360000
CY2017 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
-72000
CY2019 cizn Financing Receivable Modifications Recorded Investment During Period
FinancingReceivableModificationsRecordedInvestmentDuringPeriod
2495000
CY2017 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
3
CY2019 us-gaap Loans And Leases Receivable Related Parties Additions
LoansAndLeasesReceivableRelatedPartiesAdditions
190000
CY2019 us-gaap Loans And Leases Receivable Related Parties Proceeds
LoansAndLeasesReceivableRelatedPartiesProceeds
2744000
CY2019Q4 us-gaap Loans And Leases Receivable Related Parties
LoansAndLeasesReceivableRelatedParties
387000
CY2019 cizn Interest Income Forgone On Loans
InterestIncomeForgoneOnLoans
555000
CY2018 cizn Interest Income Forgone On Loans
InterestIncomeForgoneOnLoans
429000
CY2017 cizn Interest Income Forgone On Loans
InterestIncomeForgoneOnLoans
413000
CY2019Q4 us-gaap Loans Receivable With Variable Rates Of Interest1
LoansReceivableWithVariableRatesOfInterest1
77700000
CY2018Q4 us-gaap Loans Receivable With Variable Rates Of Interest1
LoansReceivableWithVariableRatesOfInterest1
67500000
CY2019Q4 cizn Minimum Default Loan Limit To Be Considered For Individually Evaluation Of Impaired Financing Receivable
MinimumDefaultLoanLimitToBeConsideredForIndividuallyEvaluationOfImpairedFinancingReceivable
100000
CY2019 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions
36000
CY2019 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
8000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
-16000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Consumer Contractually Required Payments Receivable At Acquisition
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodConsumerContractuallyRequiredPaymentsReceivableAtAcquisition
104127000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications From Nonaccretable Difference
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsFromNonaccretableDifference
68000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Cash Flows Expected To Be Collected At Acquisition
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCashFlowsExpectedToBeCollectedAtAcquisition
104059000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
394000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Acquired During Period Commercial At Acquisition At Fair Value
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAcquiredDuringPeriodCommercialAtAcquisitionAtFairValue
103665000
CY2019 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
170000
CY2019 us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
190000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
682000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
3073000
CY2017Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3019000
CY2018 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
387000
CY2018 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
406000
CY2018 us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
-19000
CY2018Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
401000
CY2018Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
2971000
CY2016Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
3903000
CY2017 us-gaap Allowance For Loan And Lease Losses Write Offs
AllowanceForLoanAndLeaseLossesWriteOffs
437000
CY2017 us-gaap Allowance For Loan And Lease Loss Recovery Of Bad Debts
AllowanceForLoanAndLeaseLossRecoveryOfBadDebts
96000
CY2017 us-gaap Allowance For Loan And Lease Losses Writeoffs Net
AllowanceForLoanAndLeaseLossesWriteoffsNet
341000
CY2017Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
442000
CY2017Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
2577000
CY2019Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
11135000
CY2019Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
564937000
CY2019Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
577075000
CY2018Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
10306000
CY2018Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
419016000
CY2018Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
429322000
CY2019 us-gaap Financing Receivable Significant Purchases
FinancingReceivableSignificantPurchases
749000
CY2019Q4 us-gaap Us Government Securities At Carrying Value
USGovernmentSecuritiesAtCarryingValue
413275000
CY2018Q4 us-gaap Us Government Securities At Carrying Value
USGovernmentSecuritiesAtCarryingValue
357231000
CY2019 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
895000
CY2017 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
3885000
CY2019 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
1354000
CY2018 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
-181000
CY2018 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
828000
CY2017 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
4071000
CY2017 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
258000
CY2019 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
89000
CY2018 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
36000
CY2018 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
973000
CY2018 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
-145000
CY2017 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
186000
CY2019 us-gaap Deferred Income Tax Expense Benefit
DeferredIncomeTaxExpenseBenefit
459000
CY2019 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-6000
CY2018 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-394000
CY2017 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-9000
CY2019Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
937000
CY2018Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals Provision For Loan Losses
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses
841000
CY2019Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
2488000
CY2018Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefits
2419000
CY2019Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
1000000
CY2019Q4 cizn Deferred Tax Assets Other Real Estate Owned
DeferredTaxAssetsOtherRealEstateOwned
819000
CY2018Q4 cizn Deferred Tax Assets Other Real Estate Owned
DeferredTaxAssetsOtherRealEstateOwned
435000
CY2019Q4 cizn Deferred Tax Assets Acquisition Fair Value Adjustments
DeferredTaxAssetsAcquisitionFairValueAdjustments
130000
CY2019Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
262000
CY2018Q4 us-gaap Deferred Tax Assets Unrealized Losses On Availablefor Sale Securities Gross
DeferredTaxAssetsUnrealizedLossesOnAvailableforSaleSecuritiesGross
4978000
CY2019Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
6000
CY2019Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
5642000
CY2018Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
8673000
CY2019Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
1603000
CY2018Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
1856000
CY2019Q4 cizn Deferred Tax Asset Core Deposit Intangible
DeferredTaxAssetCoreDepositIntangible
184000
CY2019Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
171000
CY2018Q4 us-gaap Deferred Tax Liabilities Other
DeferredTaxLiabilitiesOther
183000
CY2019Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
1958000
CY2018Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
2039000
CY2019Q4 us-gaap Operating Loss Carryforwards
OperatingLossCarryforwards
4848000
CY2019 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.35
CY2018 us-gaap Effective Income Tax Rate Reconciliation At Federal Statutory Income Tax Rate
EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate
0.21
CY2017 cizn Tax Cuts And Jobs Act Of2017 Change In Tax Rate Deferred Tax Asset Income Tax Expense Benefit
TaxCutsAndJobsActOf2017ChangeInTaxRateDeferredTaxAssetIncomeTaxExpenseBenefit
2559000
CY2019Q4 us-gaap Time Deposit Maturities Year One
TimeDepositMaturitiesYearOne
137630000
CY2019Q4 us-gaap Time Deposit Maturities Year Two
TimeDepositMaturitiesYearTwo
59641000
CY2019Q4 us-gaap Time Deposit Maturities Year Three
TimeDepositMaturitiesYearThree
27709000
CY2019Q4 us-gaap Time Deposit Maturities Year Four
TimeDepositMaturitiesYearFour
15912000
CY2019Q4 us-gaap Time Deposit Maturities Year Five
TimeDepositMaturitiesYearFive
15279000
CY2019Q4 us-gaap Time Deposits
TimeDeposits
256171000
CY2019 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
10721000
CY2018 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
7352000
CY2019 cizn Allowance For Loan Losses
AllowanceForLoanLosses
<div style="margin-top: 18px; margin-bottom: 0px;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">N<div style="font-weight:bold;display:inline;">ote 7. Allowance for Loan Losses</div> </div></div><div style="margin-top: 6px; margin-bottom: 0px;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-style:italic;display:inline;;font-style:italic;display:inline;">(in thousands) </div></div></div><div style="margin-top: 6px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">The allowance for loan losses is a reserve established through a provision for possible loan losses charged to expense, which represents management&#8217;s best estimate of probable losses that will occur within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to reserve for estimated loan losses and risks inherent in the loan portfolio. </div></div><div style="margin-top: 12px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">The allowance on the majority of the loan portfolio is calculated using a historical chargeoff percentage applied to the current loan balances by loan segment. This historical period is the average of the previous five years with the most current years weighted to show the effect of the most recent chargeoff activity. This percentage is also adjusted for economic factors such as unemployment and general business conditions, both local and nationwide. </div></div><div style="margin-top: 12px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">The group of loans that are considered to be impaired are individually evaluated for possible loss and a specific reserve is established to cover any loss contingency. Loans that are determined to be a loss with no benefit of remaining in the portfolio are charged off to the allowance. These specific reserves are reviewed periodically for continued impairment and adequacy of the specific reserve and adjusted when necessary. </div></div><div style="font-size: 1px; margin-top: 12px; margin-bottom: 0px; text-align: justify;"><div style="font-size: 1px; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><div style="margin-top: 0px; margin-bottom: 0px; text-align: justify;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">The following table details activity in the allowance for loan losses by portfolio segment for the years ended December 31: </div></div><div style="font-size: 12px; margin-top: 0px; margin-bottom: 0px;"><div style="font-size: 12px; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div><table border="0" cellpadding="0" cellspacing="0" style="border-spacing: 0px;;margin : 0px auto;;text-align:left;;width:92%;"><tr style="font-size: 0px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;width:70%;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;;width:4%;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;"></td></tr><tr style="page-break-inside: avoid;"><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td colspan="2" style="font-size: x-small;;text-align:center;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">Real</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td colspan="2" style="font-size: x-small;;text-align:center;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">Business</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td colspan="2" style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td colspan="2" style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td></tr><tr style="page-break-inside: avoid;"><td style="font-size: x-small; padding-bottom: 0.5px;;text-align:center;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;"><div style="font-weight:bold;display:inline;">2019</div></div></td><td style="font-size: x-small; padding-bottom: 0.5px;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td colspan="2" style="font-size: x-small; border-bottom: 1px solid rgb(0, 0, 0); padding-bottom: 0in;;text-align:center;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; 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letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td colspan="2" style="font-size: x-small; border-bottom: 1px solid rgb(0, 0, 0); padding-bottom: 0in;;text-align:center;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">Consumer</div></td><td style="font-size: x-small; padding-bottom: 0.5px;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: x-small; padding-bottom: 0.5px;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td colspan="2" style="font-size: x-small; border-bottom: 1px solid rgb(0, 0, 0); padding-bottom: 0in;;text-align:center;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">Total</div></td><td style="font-size: x-small; 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letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td style="font-size: small;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: small;;text-align:right;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">573</div></td><td style="font-size: small; white-space: nowrap;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td></tr><tr style="font-size: 1pt;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; 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top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); 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top: 0px;;display:inline;">&#160;&#160;</div></td><td colspan="2" style="font-size: x-small; border-bottom: 1px solid rgb(0, 0, 0); padding-bottom: 0in;;text-align:center;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">Total</div></td><td style="font-size: x-small; padding-bottom: 0.5px;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td></tr><tr style="font-size: 1pt;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td></tr><tr style="page-break-inside: avoid;"><td style="font-size: small; 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top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); 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letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td></tr><tr style="page-break-inside: avoid;"><td style="font-size: small; background-color: rgb(204, 238, 255);;vertical-align:top;"><div style="margin-left: 0.33in; font-size: small; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">Credit Cards</div></div></td><td style="font-size: x-small; background-color: rgb(204, 238, 255);;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">&#160;&#160;</div></td><td style="font-size: small; 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white-space: nowrap; background-color: rgb(204, 238, 255);;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">&#160;</div></td><td style="font-size: x-small; background-color: rgb(204, 238, 255);;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">&#160;&#160;</div></td><td style="font-size: small; background-color: rgb(204, 238, 255);;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">&#160;</div></td><td style="font-size: small; background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">57</div></td><td style="font-size: small; white-space: nowrap; background-color: rgb(204, 238, 255);;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">&#160;</div></td><td style="font-size: x-small; background-color: rgb(204, 238, 255);;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">&#160;&#160;</div></td><td style="font-size: small; background-color: rgb(204, 238, 255);;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">&#160;</div></td><td style="font-size: small; background-color: rgb(204, 238, 255);;text-align:right;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">37</div></td><td style="font-size: small; white-space: nowrap; background-color: rgb(204, 238, 255);;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px; background-color: rgb(204, 238, 255);;display:inline;">&#160;</div></td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 1px solid rgb(0, 0, 0); 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padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td><td colspan="4" style="font-family: &quot;times new roman&quot;; padding: 0px;;height:8;"></td></tr><tr style="page-break-inside: avoid;"><td style="font-size: small;;vertical-align:top;"><div style="text-indent: -1em; margin-left: 1em; font-size: small; line-height: normal;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">Total Net Chargeoffs (Recoveries)</div></div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td style="font-size: small;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">$</div></td><td style="font-size: small;;text-align:right;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">190</div></td><td style="font-size: small; white-space: nowrap;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td style="font-size: small;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">$</div></td><td style="font-size: small;;text-align:right;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">(19</div></td><td style="font-size: small; white-space: nowrap;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">)&#160;</div></td><td style="font-size: x-small;;vertical-align:bottom;"><div style="font-size: x-small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;&#160;</div></td><td style="font-size: small;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">$</div></td><td style="font-size: small;;text-align:right;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">341</div></td><td style="font-size: small; white-space: nowrap;;vertical-align:bottom;"><div style="font-family: &quot;times new roman&quot;; font-size: small; letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></td></tr><tr style="font-size: 1px;"><td style="font-family: &quot;times new roman&quot;; padding: 0px;;vertical-align:bottom;"></td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td><td style="font-family: &quot;times new roman&quot;;;vertical-align:bottom;">&#160;&#160;</td><td style="vertical-align:bottom;"><div style="border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="vertical-align:bottom;"><div style="border-top: 3px double rgb(0, 0, 0); line-height: normal;"><div style="letter-spacing: 0px; top: 0px;;display:inline;">&#160;</div></div></td><td style="font-family: &quot;times new roman&quot;;">&#160;</td></tr></table><div style="clear: both; max-height: 0px;"></div><div style="clear: both; max-height: 0px;"></div> <table border="0" style="width:100%; table-layout:fixed;" cellspacing="0" cellpadding="0"><tr><td></td></tr></table>
CY2019 us-gaap Business Acquisitions Pro Forma Revenue
BusinessAcquisitionsProFormaRevenue
29237000
CY2018 us-gaap Business Acquisitions Pro Forma Revenue
BusinessAcquisitionsProFormaRevenue
32206000
CY2019 cizn Non Interest Income Proforma
NonInterestIncomeProforma
10090000
CY2018 cizn Non Interest Income Proforma
NonInterestIncomeProforma
9014000
CY2019 cizn Non Interest Expenses Proforma
NonInterestExpensesProforma
35075000
CY2018 cizn Non Interest Expenses Proforma
NonInterestExpensesProforma
32714000
CY2018 us-gaap Business Acquisitions Pro Forma Net Income Loss
BusinessAcquisitionsProFormaNetIncomeLoss
6982000
CY2019 us-gaap Business Acquisitions Pro Forma Net Income Loss
BusinessAcquisitionsProFormaNetIncomeLoss
2692000
CY2018Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
CY2019 us-gaap Business Acquisition Pro Forma Income Loss From Continuing Operations Before Changes In Accounting And Extraordinary Items Net Of Tax Per Share Basic
BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic
0.53
CY2018 us-gaap Business Acquisition Pro Forma Income Loss From Continuing Operations Before Changes In Accounting And Extraordinary Items Net Of Tax Per Share Basic
BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareBasic
1.43
CY2019 us-gaap Business Acquisition Pro Forma Income Loss From Continuing Operations Before Changes In Accounting And Extraordinary Items Net Of Tax Per Share Diluted
BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted
0.53
CY2018 us-gaap Business Acquisition Pro Forma Income Loss From Continuing Operations Before Changes In Accounting And Extraordinary Items Net Of Tax Per Share Diluted
BusinessAcquisitionProFormaIncomeLossFromContinuingOperationsBeforeChangesInAccountingAndExtraordinaryItemsNetOfTaxPerShareDiluted
1.43
CY2019 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Reclassifications To From Nonaccretable Difference
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldReclassificationsToFromNonaccretableDifference
12000
CY2019 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
309000
CY2018 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
487000
CY2017 us-gaap Income Tax Reconciliation Tax Exempt Income
IncomeTaxReconciliationTaxExemptIncome
1074000

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