CITIZENS HOLDING COCIZN

Market cap

$49.14M

P/E ratio

	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022
Interest and fees on loans	25	23	21	20	20	19	19	20	25	31	31	27
Taxable	8	7	8	8	8	8	8	8	8	8	4	8
Non-taxable	4	4	4	3	3	3	3	3	2	2	3	4
Other interest	64,635	64,580	51,994	49,398	94,721	185,188	273,379	193,258	1	0	0	0
Total interest income	37	34	32	31	31	30	31	31	35	41	39	40
Deposits	3	3	2	2	2	2	2	3	8	7	4	3
Other borrowed funds	3	3	2	1	1	1	1	2	2	1	1	2
Total interest expense	7	6	4	3	3	3	3	4	10	7	5	5
Net interest income	30	29	28	28	28	27	27	27	26	33	33	35
Provision for loan losses	3	2	2	923,397	556,687	-65,056	-543,138	333,990	1	1	1	0
Net interest income after provision for loan losses	27	27	26	27	27	27	28	27	25	32	32	35
Deposit Account	-	-	-	-	-	-	-	5	4	3	3	4
Financial Service, Other	-	-	-	-	-	-	-	3	3	4	4	4
Service charges on deposit accounts	37	34	32	31	31	30	31	31	35	41	39	40
Net gains on sales of securities	-	-	-	-	-	-	-	11,047	0	1	1	-
Other income	-	-	-	-	-	-	-	-	-	-	-	3
Total non-interest income	7	7	8	8	8	8	8	9	10	10	12	11
Salaries and employee benefits	14	14	13	13	13	14	15	15	15	17	18	18
Occupancy expense	2	2	2	2	2	2	2	2	2	4	3	3
Equipment expense	2	2	2	3	3	3	3	4	3	3	4	4
Write down on other real estate	-	-	-	-	-	-	-	-	-	-	-	0
Other expense	8	8	7	8	7	8	8	7	7	9	9	9
Total non-interest expense	26	26	25	26	26	26	28	28	28	33	35	34
Income before income taxes	9	8,434,807	8,919,763	9	10	8	8	8	7	9	9	12
Income tax expense	1	2	2	2	2	2	4	827,730	1	2	1	2
Net income	7	7	7	7	8	7	4	7	6	7	7	10
Net income per share – basic (in dollars per share)	1.49	1.4	1.47	1.53	1.56	1.38	0.76	1.36	1.17	1.24	1.34	1.72
Net income per share – diluted (in dollars per share)	1.49	1.39	1.47	1.53	1.56	1.38	0.76	1.36	1.17	1.24	1.34	1.72