$CZFS
CITIZENS FINANCIAL SERVICES INC

2022 Q4 Form 10-Q Financial Statement

#000114036122040403 Filed on November 08, 2022

View on sec.gov

Income Statement

Concept 2022 Q4 2022 Q3 2021 Q3
Revenue $2.267M $18.34M
YoY Change -87.64% -0.24%
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 $260.0K $254.0K $270.0K
YoY Change -3.7% -5.93%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $2.937M $1.752M
YoY Change 67.64% -8.56%
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $9.701M $9.199M $8.642M
YoY Change 14.16% 6.45% -11.51%
Income Tax $1.826M $1.655M $1.578M
% Of Pretax Income 18.82% 17.99% 18.26%
Net Earnings $7.875M $7.544M $7.064M
YoY Change 13.41% 6.8% -11.78%
Net Earnings / Revenue 332.77% 38.51%
Basic Earnings Per Share $1.90 $1.79
Diluted Earnings Per Share $1.99 $1.901M $1.79
COMMON SHARES
Basic Shares Outstanding 3.971M 3.970M 3.950M
Diluted Shares Outstanding 3.968M 3.950M

Balance Sheet

Concept 2022 Q4 2022 Q3 2021 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $28.42M $25.41M
YoY Change -83.77%
Cash & Equivalents $26.21M $23.15M $102.0M
Short-Term Investments $2.208M $2.257M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $17.62M $17.37M $17.20M
YoY Change 3.54% 0.97% -2.93%
Goodwill $31.38M $31.38M $31.38M
YoY Change 0.0% 0.0% 0.0%
Intangibles $1.272M $1.371M
YoY Change -21.82%
Long-Term Investments
YoY Change
Other Assets $12.89M
YoY Change
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $2.333B $2.350B $2.047B
YoY Change 8.84% 14.78% 10.16%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $1.232M $922.0K $800.0K
YoY Change 76.0% 15.25% -20.0%
Accrued Expenses $5.016M
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $6.248M $922.0K $800.0K
YoY Change 792.57% 15.25% -20.0%
LONG-TERM LIABILITIES
Long-Term Debt $257.3M $258.9M $78.20M
YoY Change 247.67% 231.1% -21.49%
Other Long-Term Liabilities $25.51M $29.73M $18.20M
YoY Change 24.45% 63.33% 14.47%
Total Long-Term Liabilities $282.8M $288.6M $96.40M
YoY Change 199.25% 199.43% -16.54%
TOTAL LIABILITIES
Total Short-Term Liabilities $6.248M $922.0K $800.0K
Total Long-Term Liabilities $282.8M $288.6M $96.40M
Total Liabilities $2.133B $2.158B $1.838B
YoY Change 10.45% 17.41% 10.12%
SHAREHOLDERS EQUITY
Retained Earnings $164.9M $159.0M
YoY Change 12.95%
Common Stock $4.428M $4.428M
YoY Change 0.89%
Preferred Stock
YoY Change
Treasury Stock (at cost) $16.97M $16.97M
YoY Change 5.12%
Treasury Stock Shares $456.5K $456.3K
Shareholders Equity $200.1M $191.4M $209.0M
YoY Change
Total Liabilities & Shareholders Equity $2.333B $2.350B $2.047B
YoY Change 8.84% 14.78% 10.16%

Cashflow Statement

Concept 2022 Q4 2022 Q3 2021 Q3
OPERATING ACTIVITIES
Net Income $7.875M $7.544M $7.064M
YoY Change 13.41% 6.8% -11.78%
Depreciation, Depletion And Amortization $260.0K $254.0K $270.0K
YoY Change -3.7% -5.93%
Cash From Operating Activities $8.902M $9.266M $10.66M
YoY Change 41.08% -13.08% 219.16%
INVESTING ACTIVITIES
Capital Expenditures $484.0K -$252.0K -$180.0K
YoY Change -791.43% 40.0% -10.0%
Acquisitions
YoY Change
Other Investing Activities $22.70M -$143.1M -$53.74M
YoY Change -194.55% 166.19% 183.29%
Cash From Investing Activities $22.22M -$143.3M -$53.93M
YoY Change -192.3% 165.72% 181.32%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -28.06M 136.5M 37.04M
YoY Change -131.66% 268.55% -28.92%
NET CHANGE
Cash From Operating Activities 8.902M 9.266M 10.66M
Cash From Investing Activities 22.22M -143.3M -53.93M
Cash From Financing Activities -28.06M 136.5M 37.04M
Net Change In Cash 3.063M 2.476M -6.230M
YoY Change -95.68% -139.74% -117.17%
FREE CASH FLOW
Cash From Operating Activities $8.902M $9.266M $10.66M
Capital Expenditures $484.0K -$252.0K -$180.0K
Free Cash Flow $8.418M $9.518M $10.84M
YoY Change 31.94% -12.2% 206.21%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
dei City Area Code
CityAreaCode
570
dei Security Exchange Name
SecurityExchangeName
NASDAQ
dei Document Type
DocumentType
10-Q
dei Document Period End Date
DocumentPeriodEndDate
2022-09-30
dei Document Quarterly Report
DocumentQuarterlyReport
true
dei Entity Address City Or Town
EntityAddressCityOrTown
Mansfield
dei Entity Registrant Name
EntityRegistrantName
CITIZENS FINANCIAL SERVICES, INC.
dei Entity Address Address Line1
EntityAddressAddressLine1
15 South Main Street
dei Security12b Title
Security12bTitle
Common Stock, Par value $1.0 per share
dei Trading Symbol
TradingSymbol
CZFS
dei Entity Current Reporting Status
EntityCurrentReportingStatus
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dei Entity Interactive Data Current
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CY2022Q3 us-gaap Loans And Leases Receivable Allowance
LoansAndLeasesReceivableAllowance
18291000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
107000
CY2022Q3 czfs Loans And Leases Receivable Allowance Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality
0
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
18184000
CY2022Q3 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1719662000
CY2022Q3 czfs Loans And Leases Receivable Net Reported Amount Related To Individually Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment
12087000
CY2022Q3 czfs Loans And Leases Receivable Net Reported Amount Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality
3434000
CY2022Q3 czfs Loans And Leases Receivable Net Reported Amount Related To Collectively Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment
1704141000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1441533000
CY2021Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
15533000
CY2021Q4 czfs Loans And Leases Receivable Allowance Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableAllowanceRelatedToLoansAcquiredWithDeterioratedCreditQuality
0
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
17183000
CY2021Q4 us-gaap Loans And Leases Receivable Net Reported Amount
LoansAndLeasesReceivableNetReportedAmount
1424229000
CY2021Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Individually Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToIndividuallyEvaluatedForImpairment
15412000
CY2021Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Loans Acquired With Deteriorated Credit Quality
LoansAndLeasesReceivableNetReportedAmountRelatedToLoansAcquiredWithDeterioratedCreditQuality
3802000
CY2021Q4 czfs Loans And Leases Receivable Net Reported Amount Related To Collectively Evaluated For Impairment
LoansAndLeasesReceivableNetReportedAmountRelatedToCollectivelyEvaluatedForImpairment
1405015000
CY2021 czfs Loans Originated
LoansOriginated
24300000
CY2022Q3 us-gaap Loans Payable To Bank
LoansPayableToBank
0
CY2021Q4 us-gaap Loans Payable To Bank
LoansPayableToBank
6800000
CY2022Q2 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
278000
CY2021Q2 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
584000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
370000
CY2020Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
788000
CY2022Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Additions
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAdditions
0
CY2021Q3 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
0
CY2022Q3 czfs Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Reclassification Of Non Accretable Discount
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount
774000
CY2021Q3 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
1002000
czfs Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Reclassification Of Non Accretable Discount
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesReclassificationOfNonAccretableDiscount
29000
CY2022Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
105000
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
135000
us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
425000
us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield Accretion
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYieldAccretion
339000
CY2022Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
947000
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
478000
CY2022Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
947000
CY2021Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Accretable Yield
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesAccretableYield
478000
CY2022Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
6207000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Outstanding Balance
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesOutstandingBalance
6159000
CY2022Q3 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
3434000
CY2021Q4 us-gaap Certain Loans Acquired In Transfer Not Accounted For As Debt Securities Carrying Amount Net
CertainLoansAcquiredInTransferNotAccountedForAsDebtSecuritiesCarryingAmountNet
3802000
CY2022Q3 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
14951000
CY2022Q3 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
11509000
CY2022Q3 us-gaap Impaired Financing Receivable With Related Allowance Recorded Investment
ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment
685000
CY2022Q3 us-gaap Impaired Financing Receivable Recorded Investment
ImpairedFinancingReceivableRecordedInvestment
12194000
CY2022Q3 us-gaap Impaired Financing Receivable Related Allowance
ImpairedFinancingReceivableRelatedAllowance
107000
CY2021Q4 us-gaap Impaired Financing Receivable Unpaid Principal Balance
ImpairedFinancingReceivableUnpaidPrincipalBalance
17905000
CY2021Q4 us-gaap Impaired Financing Receivable With No Related Allowance Recorded Investment
ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment
14878000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
13358000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
247000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
6000
us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
16194000
us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
296000
us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
23000
CY2022Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
12323000
CY2022Q3 us-gaap Impaired Financing Receivable Interest Income Accrual Method
ImpairedFinancingReceivableInterestIncomeAccrualMethod
83000
CY2022Q3 us-gaap Impaired Financing Receivable Interest Income Cash Basis Method
ImpairedFinancingReceivableInterestIncomeCashBasisMethod
3000
CY2021Q3 us-gaap Impaired Financing Receivable Average Recorded Investment
ImpairedFinancingReceivableAverageRecordedInvestment
15347000
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
CY2022Q3 us-gaap Notes Receivable Net
NotesReceivableNet
328048000
CY2021Q4 us-gaap Notes Receivable Net
NotesReceivableNet
226955000
CY2022Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
6658000
CY2022Q3 czfs Financing Receivable Not Past Due
FinancingReceivableNotPastDue
1727861000
CY2022Q3 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3434000
CY2022Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1737953000
CY2022Q3 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
93000
CY2022Q3 czfs Financing Receivable Recorded Investment Total Past Due And Non Accrual
FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual
3949000
CY2022Q3 czfs Financing Receivable Recorded Investment Current And Non Accrual
FinancingReceivableRecordedInvestmentCurrentAndNonAccrual
3169000
CY2022Q3 czfs Purchased Credit Impaired Loans Non Accrual
PurchasedCreditImpairedLoansNonAccrual
0
CY2022Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
7118000
CY2022Q3 czfs Financing Receivable Recorded Investment Total Past Due And Still Accruing
FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing
2709000
CY2022Q3 czfs Financing Receivable Recorded Investment Current And Still Accruing
FinancingReceivableRecordedInvestmentCurrentAndStillAccruing
1724692000
CY2022Q3 czfs Purchased Credit Impaired Loans And Still Accruing
PurchasedCreditImpairedLoansAndStillAccruing
3434000
CY2022Q3 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
1730835000
CY2022Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
6658000
CY2022Q3 czfs Financing Receivable Not Past Due
FinancingReceivableNotPastDue
1727861000
CY2022Q3 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3434000
CY2022Q3 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1737953000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
4637000
CY2021Q4 czfs Financing Receivable Not Past Due
FinancingReceivableNotPastDue
1433094000
CY2021Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3802000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1441533000
CY2021Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
46000
CY2021Q4 czfs Financing Receivable Recorded Investment Total Past Due And Non Accrual
FinancingReceivableRecordedInvestmentTotalPastDueAndNonAccrual
3624000
CY2021Q4 czfs Financing Receivable Recorded Investment Current And Non Accrual
FinancingReceivableRecordedInvestmentCurrentAndNonAccrual
3992000
CY2021Q4 czfs Purchased Credit Impaired Loans Non Accrual
PurchasedCreditImpairedLoansNonAccrual
0
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
7616000
CY2021Q4 czfs Financing Receivable Recorded Investment Total Past Due And Still Accruing
FinancingReceivableRecordedInvestmentTotalPastDueAndStillAccruing
1013000
CY2021Q4 czfs Financing Receivable Recorded Investment Current And Still Accruing
FinancingReceivableRecordedInvestmentCurrentAndStillAccruing
1429102000
CY2021Q4 czfs Purchased Credit Impaired Loans And Still Accruing
PurchasedCreditImpairedLoansAndStillAccruing
3802000
CY2021Q4 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
1433917000
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
4637000
CY2021Q4 czfs Financing Receivable Not Past Due
FinancingReceivableNotPastDue
1433094000
CY2021Q4 czfs Purchased Credit Impaired Loans
PurchasedCreditImpairedLoans
3802000
CY2021Q4 us-gaap Loans And Leases Receivable Gross Carrying Amount
LoansAndLeasesReceivableGrossCarryingAmount
1441533000
CY2022Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
7118000
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
7616000
CY2022Q3 czfs Troubled Debt Financing Receivable Related Allowance
TroubledDebtFinancingReceivableRelatedAllowance
16000
CY2021Q4 czfs Troubled Debt Financing Receivable Related Allowance
TroubledDebtFinancingReceivableRelatedAllowance
26000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
107000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
18184000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18291000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
121000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
17183000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17304000
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17570000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
13000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
9000
CY2022Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
725000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18291000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
107000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
18184000
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 And Lease Losses
ProvisionForLoanAndLeaseLosses
400000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17334000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
269000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
17065000
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17304000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
464000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
26000
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
1425000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18291000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
107000
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
18184000
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
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
17334000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
269000
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
17065000
CY2022Q3 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
877000
CY2021Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
1180000
CY2022Q3 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
4540000
CY2022Q3 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
3169000
CY2022Q3 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1371000
CY2021Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
4442000
CY2021Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
2815000
CY2021Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1627000
CY2022Q3 us-gaap Goodwill
Goodwill
31376000
CY2021Q4 us-gaap Goodwill
Goodwill
31376000
CY2022Q3 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
114000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
354000
CY2021Q3 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
114000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
351000
CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year
FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear
112000
CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
386000
CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
295000
CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
211000
CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
136000
CY2022Q3 czfs Finite Lived Intangible Asset Expected Amortization After Year Four
FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour
231000
CY2022Q3 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
1371000
us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-35774000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
-74000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-35700000
us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-1736000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
-118000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-1618000
CY2022Q3 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-9283000
CY2022Q3 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
13000
CY2022Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-9296000
CY2021Q3 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-608000
CY2021Q3 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
33000
CY2021Q3 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-641000
czfs Impaired Loans Estimated Selling Cost
ImpairedLoansEstimatedSellingCost
51000
CY2021 czfs Impaired Loans Estimated Selling Cost
ImpairedLoansEstimatedSellingCost
47000

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