CITIZENS HOLDING CO MS
For the period ended Dec 31, 2023. Filed Mar 29, 2024.
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FY2023 · Filed Mar 29, 2024
CIZN$9.730.0%Stored close · as of Jul 8, 2026
Contents
EX-13 · TABLE 3 – VOLUME/RATE ANALYSIS
TABLE 3 – VOLUME/RATE ANALYSIS
| (in thousands) | ||||||
|---|---|---|---|---|---|---|
| 2023 Change from 2022 | 2022 Change from 2021 | |||||
| Volume | Rate | Total | Volume | Rate | Total | |
| INTEREST INCOME | ||||||
| Loans | $63 | $5,727 | $5,790 | $(2,102) | $(1,914) | $(4,016) |
| Taxable securities | (578) | 2,799 | 2,221 | (282) | 3,907 | 3,625 |
| Non-Taxable securities | (269) | (606) | (875) | 1,454 | 107 | 1,561 |
| Federal funds sold and other | 499 | 2,112 | 2,611 | (26) | 341 | 315 |
| TOTAL INTEREST INCOME | $(286) | $10,033 | $9,747 | $(956) | $2,441 | $1,485 |
| INTEREST EXPENSE | ||||||
| Interest-bearing demand deposits | $65 | $5,375 | $5,440 | $(3) | $(392) | $(395) |
| Savings deposits | (13) | 228 | 215 | 16 | (3) | 13 |
| Time deposits | 74 | 3,982 | 4,056 | (493) | (848) | (1,341) |
| Short-term borrowings | 283 | 4,030 | 4,313 | (40) | 977 | 937 |
| Long-term borrowings | - | 586 | 586 | 303 | 259 | 562 |
| TOTAL INTEREST EXPENSE | $407 | $14,203 | $14,610 | $(218) | $(6) | $(224) |
| NET INTEREST INCOME | $(693) | $(4,170) | $(4,863) | $(738) | $2,447 | $1,709 |
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