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SEC Filings

8-K
CITIZENS HOLDING CO /MS/ filed this Form 8-K on 10/24/2016
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     For the Period Ended,  
     September 30,     June 30,     December 31,  
     2016     2016     2015  

Period End Balance Sheet Data:

      

Total assets

   $ 1,025,126      $ 1,014,585      $ 973,505   

Total earning assets

     942,827        930,332        894,765   

Loans, net of unearned income

     410,019        402,368        429,582   

Allowance for loan losses

     4,113        4,809        6,474   

Total deposits

     780,463        779,659        753,405   

Long-term borrowings

     20,000        20,000        20,000   

Shareholders’ equity

     97,071        92,885        86,425   

Book value per share

   $ 19.91      $ 19.05      $ 17.73   

Period End Average Balance Sheet Data:

      

Total assets

   $ 992,221      $ 988,756      $ 945,270   

Total earning assets

     913,507        908,706        863,829   

Loans, net of unearned income

     411,802        413,566        412,161   

Total deposits

     768,224        766,927        725,116   

Long-term borrowings

     20,000        20,000        20,000   

Shareholders’ equity

     91,170        89,155        84,250   

Period End Non-performing Assets:

      

Non-accrual loans

   $ 9,734      $ 12,796      $ 14,423   

Loans 90+ days past due and accruing

     1,089        16        67   

Other real estate owned

     4,898        3,205        3,573   
           As of        
     September 30,     June 30,     December 31,  
     2016     2016     2015  

Year to Date Net charge-offs as a percentage of average net loans

     0.60     0.38     0.03

Year to Date Performance Ratios:

      

Return on average assets(1)

     0.68     0.66     0.80

Return on average equity(1)

     7.40     7.28     9.01

Year to Date Net Interest

      

Margin (tax equivalent)(1)

     3.11     3.12     3.33

 

(1)  Annualized

Contact:

Citizens Holding Company, Philadelphia

Robert T. Smith, 601/656-4692

rsmith@tcbphila.com

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