Citizens Holding Company is a one-bank holding company of The Citizens Bank of Philadelphia, Mississippi (the Bank). Through its ownership of 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 related to commercial banking such as credit life insurance and title insurance for its loan customers. The Company’s lending area is East Central and South Mississippi, specifically Neshoba, Newton, Leake, Lamar, Forrest, Scott, Attala, Lauderdale, Oktibbeha, Lafayette, Rankin, Harrison, Jackson, Winston and Kemper counties and contiguous counties.