Citizens Holding Company (CIZN): Citizens Holding Company is a one-bank h...

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Thursday, 03/01/2012 7:45:47 AM

Thursday, March 01, 2012 7:45:47 AM

Citizens Holding Company is a one-bank holding company. Through its ownership of The Citizens Bank of Philadelphia, Mississippi (the Bank), the Company engages in a range of commercial and personal banking activities, including accepting demand deposits, savings and time deposit accounts, making secured and unsecured loans, issuing letters of credit, originating mortgage loans, and providing personal and corporate trust services. The Company also provides certain services that are closely related to commercial banking, such as credit life insurance and title insurance for its loan customers. During the year ended December 31, 2009, revenues from the Company’s lending activities constitute the largest component of the Company’s operating revenues. In 2009, revenue from loan interest and fees made up 60.6% of gross revenues. Such lending activities include commercial, real estate, installment (direct and indirect) and credit card loans.

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