$CZFS
CITIZENS FINANCIAL SERVICES INC

2021 Q4 Form 10-Q Financial Statement

#000114036121036482 Filed on November 04, 2021

View on sec.gov

Income Statement

Concept 2021 Q4 2021 Q3 2020 Q3
Revenue $18.51M $18.34M $18.39M
YoY Change 0.51% -0.24% 15.82%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $270.0K $270.0K
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.636M $1.752M $1.916M
YoY Change -12.33% -8.56% -35.6%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $8.498M $8.642M $9.766M
YoY Change -3.3% -11.51% 55.96%
Income Tax $1.554M $1.578M $1.759M
% Of Pretax Income 18.29% 18.26% 18.01%
Net Earnings $6.944M $7.064M $8.007M
YoY Change -3.92% -11.78% 54.1%
Net Earnings / Revenue 37.52% 38.51% 43.55%
Basic Earnings Per Share $1.76 $1.79 $2.02
Diluted Earnings Per Share $1.76 $1.79 $2.02
COMMON SHARES
Basic Shares Outstanding 3.952M 3.950M 3.957M
Diluted Shares Outstanding 3.950M 3.957M

Balance Sheet

Concept 2021 Q4 2021 Q3 2020 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $175.1M $77.01M
YoY Change 147.89% 271.36%
Cash & Equivalents $172.8M $102.0M $75.31M
Short-Term Investments $2.270M $1.696M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $17.02M $17.20M $17.72M
YoY Change 0.4% -2.93% 11.58%
Goodwill $31.38M $31.38M $31.38M
YoY Change 0.0% 0.0% 34.68%
Intangibles $1.627M $1.538M
YoY Change -2.46% 9.86%
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.144B $2.047B $1.858B
YoY Change 13.33% 10.16% 25.99%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $700.0K $800.0K $1.000M
YoY Change -30.0% -20.0% -9.09%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $700.0K $800.0K $1.000M
YoY Change -78.79% -20.0% -56.52%
LONG-TERM LIABILITIES
Long-Term Debt $74.00M $78.20M $99.60M
YoY Change -16.67% -21.49% -9.29%
Other Long-Term Liabilities $20.50M $18.20M $15.90M
YoY Change 25.0% 14.47% 33.61%
Total Long-Term Liabilities $94.50M $96.40M $115.5M
YoY Change -10.17% -16.54% -5.09%
TOTAL LIABILITIES
Total Short-Term Liabilities $700.0K $800.0K $1.000M
Total Long-Term Liabilities $94.50M $96.40M $115.5M
Total Liabilities $1.931B $1.838B $1.669B
YoY Change 13.78% 10.12% 26.14%
SHAREHOLDERS EQUITY
Retained Earnings $146.0M $121.2M
YoY Change 15.31% 12.91%
Common Stock $4.389M $4.350M
YoY Change 0.9% 10.43%
Preferred Stock
YoY Change
Treasury Stock (at cost) $16.15M $15.23M
YoY Change 6.14% 5.72%
Treasury Stock Shares $444.5K $428.9K
Shareholders Equity $212.5M $209.0M $189.1M
YoY Change
Total Liabilities & Shareholders Equity $2.144B $2.047B $1.858B
YoY Change 13.33% 10.16% 25.99%

Cashflow Statement

Concept 2021 Q4 2021 Q3 2020 Q3
OPERATING ACTIVITIES
Net Income $6.944M $7.064M $8.007M
YoY Change -3.92% -11.78% 54.1%
Depreciation, Depletion And Amortization $270.0K $270.0K
YoY Change
Cash From Operating Activities $6.310M $10.66M $3.340M
YoY Change -55.53% 219.16% -39.27%
INVESTING ACTIVITIES
Capital Expenditures -$70.00K -$180.0K -$200.0K
YoY Change -61.11% -10.0% 233.33%
Acquisitions
YoY Change
Other Investing Activities -$24.01M -$53.74M -$18.97M
YoY Change -45.9% 183.29% -23.69%
Cash From Investing Activities -$24.07M -$53.93M -$19.17M
YoY Change -45.98% 181.32% -23.07%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 88.63M 37.04M 52.11M
YoY Change 272.86% -28.92% 126.27%
NET CHANGE
Cash From Operating Activities 6.310M 10.66M 3.340M
Cash From Investing Activities -24.07M -53.93M -19.17M
Cash From Financing Activities 88.63M 37.04M 52.11M
Net Change In Cash 70.87M -6.230M 36.28M
YoY Change -1173.79% -117.17% 904.99%
FREE CASH FLOW
Cash From Operating Activities $6.310M $10.66M $3.340M
Capital Expenditures -$70.00K -$180.0K -$200.0K
Free Cash Flow $6.380M $10.84M $3.540M
YoY Change -55.6% 206.21% -36.33%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
dei City Area Code
CityAreaCode
570
dei Local Phone Number
LocalPhoneNumber
662‑2121
dei Entity Current Reporting Status
EntityCurrentReportingStatus
Yes
dei Entity Interactive Data Current
EntityInteractiveDataCurrent
Yes
dei Amendment Flag
AmendmentFlag
false
dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
--12-31
dei Document Fiscal Year Focus
DocumentFiscalYearFocus
2021
dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
Q3
dei Entity Registrant Name
EntityRegistrantName
CITIZENS FINANCIAL SERVICES INC
dei Entity Central Index Key
EntityCentralIndexKey
0000739421
dei Entity Incorporation State Country Code
EntityIncorporationStateCountryCode
PA
dei Document Type
DocumentType
10-Q
dei Document Quarterly Report
DocumentQuarterlyReport
true
dei Document Period End Date
DocumentPeriodEndDate
2021-09-30
dei Document Transition Report
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dei Entity File Number
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dei Entity Tax Identification Number
EntityTaxIdentificationNumber
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dei Entity Address Address Line1
EntityAddressAddressLine1
15 South Main Street
dei Entity Address City Or Town
EntityAddressCityOrTown
Mansfield
dei Entity Address State Or Province
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PA
dei Entity Address Postal Zip Code
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dei Entity Filer Category
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3869000
CY2021Q3 czfs Loans And Leases Receivable Net Reported Amount Related To Collectively Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment
1406586000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1405281000
CY2020Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
17277000
CY2020Q4 czfs Financing Receivable Loans Acquired With Deteriorated Credit Quality
FinancingReceivableLoansAcquiredWithDeterioratedCreditQuality
-4875000
CY2020Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
1383129000
CY2020Q4 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
15815000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
510000
CY2020Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Individually Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment
16767000
CY2020Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality
4875000
CY2020Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Collectively Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment
1367824000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
16194000
CY2020Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
13047000
CY2020Q4 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
4230000
CY2021Q3 czfs Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Reclassification Of Non Accretable Discount
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount
29000
CY2020Q3 czfs Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Reclassification Of Non Accretable Discount
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount
0
CY2021Q2 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
584000
CY2020Q2 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
987000
CY2020Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
788000
CY2019Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
89000
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions
0
CY2020Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions
0
us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions
0
us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions
966000
czfs Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Reclassification Of Non Accretable Discount
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount
29000
czfs Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Reclassification Of Non Accretable Discount
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount
0
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
135000
CY2020Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
100000
us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
339000
us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
168000
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
478000
CY2020Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
887000
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
478000
CY2020Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
887000
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
6935000
CY2020Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
8958000
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
3869000
CY2020Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
4875000
CY2021Q3 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
17510000
CY2021Q3 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
11649000
CY2021Q3 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
3683000
CY2021Q3 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
15332000
CY2021Q3 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
213000
CY2020Q4 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
17277000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
296000
CY2020Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
19050000
CY2020Q4 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
510000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
23000
CY2021Q3 czfs Purchased Credit Impaired Loans And Still Accruing
PurchasedCreditImpairedLoansAndStillAccruing
3869000
CY2021Q3 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
1434050000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
18729000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
380000
CY2021Q3 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3869000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
20000
CY2021Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
15347000
CY2021Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1442908000
CY2020Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
4875000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1405281000
CY2021Q3 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
104000
CY2021Q3 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
8000
CY2020Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
16997000
CY2020Q3 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
102000
CY2020Q3 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
18000
CY2021Q3 us-gaap Notes Receivable Net
NotesReceivableNet
235895000
CY2020Q4 us-gaap Notes Receivable Net
NotesReceivableNet
232188000
CY2021Q3 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3869000
CY2021Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1442908000
CY2021Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
83000
CY2021Q3 czfs Financing Receivable Recorded Investment Total Past Due And Non Accrual
FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual
4633000
CY2021Q3 czfs Financing Receivable Recorded Investment Current And Non Accrual
FinancingReceivableRecordedInvestmentCurrentAndNonAccrual
4225000
CY2021Q3 czfs Purchased Credit Impaired Loans Non Accrual
PurchasedCreditImpairedLoansNonAccrual
0
CY2021Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
8858000
CY2021Q3 czfs Financing Receivable Recorded Investment Total Past Due And Still Accruing
FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing
1565000
CY2021Q3 czfs Financing Receivable Recorded Investment Current And Still Accruing
FinancingReceivableRecordedInvestmentCurrentAndStillAccruing
1428616000
CY2020Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
525000
CY2020Q4 czfs Financing Receivable Recorded Investment Total Past Due And Non Accrual
FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual
6401000
CY2020Q4 czfs Financing Receivable Recorded Investment Current And Non Accrual
FinancingReceivableRecordedInvestmentCurrentAndNonAccrual
4331000
CY2020Q4 czfs Purchased Credit Impaired Loans Non Accrual
PurchasedCreditImpairedLoansNonAccrual
0
CY2020Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
10732000
CY2020Q4 czfs Financing Receivable Recorded Investment Total Past Due And Still Accruing
FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing
4645000
CY2020Q4 czfs Financing Receivable Recorded Investment Current And Still Accruing
FinancingReceivableRecordedInvestmentCurrentAndStillAccruing
1385029000
CY2020Q4 czfs Purchased Credit Impaired Loans And Still Accruing
PurchasedCreditImpairedLoansAndStillAccruing
4875000
CY2020Q4 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
1394549000
CY2020Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
4875000
CY2020Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1405281000
us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
110000
CY2021Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
8858000
CY2020Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
10732000
CY2021Q3 czfs Troubled Debt Financing Receivable Related Allowance
TroubledDebtFinancingReceivableRelatedAllowance
91000
CY2020Q4 czfs Troubled Debt Financing Receivable Related Allowance
TroubledDebtFinancingReceivableRelatedAllowance
257000
CY2021Q3 us-gaap Financing Receivable Modifications Number Of Contracts2
FinancingReceivableModificationsNumberOfContracts2
0
CY2021Q3 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
CY2021Q3 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
0
CY2020Q3 us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
1
CY2020Q3 us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
110000
us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
0
us-gaap Financing Receivable Modifications Subsequent Default Recorded Investment1
FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1
0
us-gaap Financing Receivable Modifications Subsequent Default Number Of Contracts1
FinancingReceivableModificationsSubsequentDefaultNumberOfContracts1
1
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
213000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
17121000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17334000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
510000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
15305000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15815000
CY2021Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
16931000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
7000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
10000
CY2021Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
400000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17334000
CY2020Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
14827000
CY2020Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
237000
CY2020Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
29000
CY2020Q3 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
550000
CY2020Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15169000
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15815000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
149000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
118000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1550000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17334000
CY2019Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
13845000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
256000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
80000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1500000
CY2020Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15169000
CY2021Q3 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
1268000
CY2020Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
1836000
CY2021Q3 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
4456000
CY2021Q3 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
2779000
CY2021Q3 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1677000
CY2020Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
4096000
CY2020Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
2428000
CY2020Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1668000
CY2021Q3 us-gaap Goodwill
Goodwill
31376000
CY2020Q4 us-gaap Goodwill
Goodwill
31376000
CY2021Q3 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
114000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
351000
CY2020Q3 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
103000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
306000
CY2021Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year
FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear
126000
CY2021Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
445000
CY2021Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
351000
CY2021Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
266000
CY2021Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
187000
CY2021Q3 czfs Finite Lived Intangible Asset Expected Amortization After Year Four
FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour
302000
CY2021Q3 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1677000
us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-1652000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
-34000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-1618000
us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
3352000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
-142000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
3494000
CY2021Q3 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-578000
CY2021Q3 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
63000
CY2021Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-641000
CY2020Q3 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
58000
CY2020Q3 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
100000
CY2020Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-42000
czfs Impaired Loans Estimated Selling Cost
ImpairedLoansEstimatedSellingCost
309000
CY2020 czfs Impaired Loans Estimated Selling Cost
ImpairedLoansEstimatedSellingCost
356000

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