$CZFS
CITIZENS FINANCIAL SERVICES INC

2024 Q3 Form 10-Q Financial Statement

#000114036124036304 Filed on August 08, 2024

View on sec.gov

Income Statement

Concept 2024 Q3 2024 Q2
Revenue $2.510M $2.390M
YoY Change -3.35% 17.5%
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 $459.0K
YoY Change 72.56%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income $9.250M $6.388M
YoY Change 1.13% -219.8%
Income Tax $1.714M $1.113M
% Of Pretax Income 18.53% 17.42%
Net Earnings $7.536M $5.275M
YoY Change -0.16% -227.29%
Net Earnings / Revenue 300.24% 220.71%
Basic Earnings Per Share $1.59 $1.11
Diluted Earnings Per Share $1.59 $1.10
COMMON SHARES
Basic Shares Outstanding 4.760M 4.707M
Diluted Shares Outstanding 4.751M 4.754M

Balance Sheet

Concept 2024 Q3 2024 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $38.49M $40.00M
YoY Change -14.83% -14.08%
Cash & Equivalents $36.76M $38.43M
Short-Term Investments $1.730M $1.570M
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
LONG-TERM ASSETS
Property, Plant & Equipment $21.24M $20.90M
YoY Change -0.86% -2.26%
Goodwill $85.76M $85.76M
YoY Change 1.18% 1.18%
Intangibles $3.083M $3.244M
YoY Change -20.25% -20.31%
Long-Term Investments
YoY Change
Other Assets $14.45M $17.19M
YoY Change -32.48% -14.54%
Total Long-Term Assets
YoY Change
TOTAL ASSETS
Total Short-Term Assets
Total Long-Term Assets
Total Assets $3.026B $2.948B
YoY Change 2.27% 1.93%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $5.549M $5.482M
YoY Change 105.52% 143.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $5.549M $5.482M
YoY Change 105.52% 143.0%
LONG-TERM LIABILITIES
Long-Term Debt $231.7M $334.8M
YoY Change -26.71% 5.23%
Other Long-Term Liabilities $40.38M $47.66M
YoY Change -4.98% 13.4%
Total Long-Term Liabilities $272.1M $382.5M
YoY Change -24.14% 6.18%
TOTAL LIABILITIES
Total Short-Term Liabilities $5.549M $5.482M
Total Long-Term Liabilities $272.1M $382.5M
Total Liabilities $2.728B $2.661B
YoY Change 1.16% 1.24%
SHAREHOLDERS EQUITY
Retained Earnings $183.8M $178.6M
YoY Change 9.57% 9.9%
Common Stock $5.207M $5.207M
YoY Change 0.89% 0.89%
Preferred Stock
YoY Change
Treasury Stock (at cost) $16.36M $16.38M
YoY Change -3.07% -2.53%
Treasury Stock Shares
Shareholders Equity $298.7M $286.5M
YoY Change
Total Liabilities & Shareholders Equity $3.026B $2.948B
YoY Change 2.27% 1.93%

Cashflow Statement

Concept 2024 Q3 2024 Q2
OPERATING ACTIVITIES
Net Income $7.536M $5.275M
YoY Change -0.16% -227.29%
Depreciation, Depletion And Amortization $459.0K
YoY Change 72.56%
Cash From Operating Activities $3.022M
YoY Change -140.26%
INVESTING ACTIVITIES
Capital Expenditures $127.0K
YoY Change -92.61%
Acquisitions
YoY Change
Other Investing Activities -$12.84M
YoY Change -110.26%
Cash From Investing Activities -$12.97M
YoY Change -110.5%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 18.76M
YoY Change -119.26%
NET CHANGE
Cash From Operating Activities 3.022M
Cash From Investing Activities -12.97M
Cash From Financing Activities 18.76M
Net Change In Cash 8.814M
YoY Change -52.45%
FREE CASH FLOW
Cash From Operating Activities $3.022M
Capital Expenditures $127.0K
Free Cash Flow $2.895M
YoY Change -131.38%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
dei Security Exchange Name
SecurityExchangeName
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dei Amendment Flag
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dei Current Fiscal Year End Date
CurrentFiscalYearEndDate
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dei Document Fiscal Year Focus
DocumentFiscalYearFocus
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dei Document Fiscal Period Focus
DocumentFiscalPeriodFocus
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dei Entity Central Index Key
EntityCentralIndexKey
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us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4748523
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
4106005
CY2024Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
4770
CY2023Q2 us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
5395
us-gaap Incremental Common Shares Attributable To Share Based Payment Arrangements
IncrementalCommonSharesAttributableToShareBasedPaymentArrangements
0
CY2024Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4753697
CY2023Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4159966
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4753918
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
4106005
CY2024Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
1.11
CY2023Q2 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
-1
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
2.59
us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
0.66
CY2024Q2 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
439569000
CY2024Q2 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
331000
CY2024Q2 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
37239000
CY2024Q2 us-gaap Debt Securities Available For Sale Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss
0
CY2024Q2 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
402661000
CY2023Q4 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
453343000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Gain Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedGainBeforeTax
285000
CY2023Q4 us-gaap Available For Sale Debt Securities Accumulated Gross Unrealized Loss Before Tax
AvailableForSaleDebtSecuritiesAccumulatedGrossUnrealizedLossBeforeTax
36027000
CY2023Q4 us-gaap Debt Securities Available For Sale Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAllowanceForCreditLoss
0
CY2023Q4 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
417601000
CY2024Q2 us-gaap Debt Securities Available For Sale Unrealized Loss Position Number Of Positions
DebtSecuritiesAvailableForSaleUnrealizedLossPositionNumberOfPositions
317
CY2024Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
10022000
CY2024Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
36000
CY2024Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
372997000
CY2024Q2 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
37203000
CY2024Q2 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
383019000
CY2024Q2 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
37239000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12Months
10690000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position Less Than12 Months Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss
296000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLonger
392449000
CY2023Q4 us-gaap Debt Securities Available For Sale Continuous Unrealized Loss Position12 Months Or Longer Accumulated Loss
DebtSecuritiesAvailableForSaleContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss
35731000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position
DebtSecuritiesAvailableForSaleUnrealizedLossPosition
403139000
CY2023Q4 us-gaap Debt Securities Available For Sale Unrealized Loss Position Accumulated Loss
DebtSecuritiesAvailableForSaleUnrealizedLossPositionAccumulatedLoss
36027000
CY2024Q2 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
2119000
CY2023Q4 us-gaap Debt Securities Available For Sale Accrued Interest After Allowance For Credit Loss
DebtSecuritiesAvailableForSaleAccruedInterestAfterAllowanceForCreditLoss
2202000
czfs Number Of Days Past Due
NumberOfDaysPastDue
P90D
CY2024Q2 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0
us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
0
CY2023Q2 us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
86504000
us-gaap Proceeds From Sale Of Available For Sale Securities Debt
ProceedsFromSaleOfAvailableForSaleSecuritiesDebt
86504000
CY2024Q2 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0
CY2023Q2 us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
38000
us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
0
us-gaap Debt Securities Available For Sale Realized Gain
DebtSecuritiesAvailableForSaleRealizedGain
38000
CY2024Q2 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
0
CY2023Q2 us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
89000
us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
0
us-gaap Debt Securities Available For Sale Realized Loss
DebtSecuritiesAvailableForSaleRealizedLoss
89000
CY2024Q2 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
0
CY2023Q2 us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
-51000
us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
0
us-gaap Debt Securities Available For Sale Gain Loss
DebtSecuritiesAvailableForSaleGainLoss
-51000
CY2024Q2 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-87000
CY2023Q2 us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-74000
us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-32000
us-gaap Equity Securities Fv Ni Gain Loss
EquitySecuritiesFvNiGainLoss
-292000
CY2024Q2 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
0
CY2023Q2 us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
0
us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
4000
us-gaap Equity Securities Fv Ni Realized Gain Loss
EquitySecuritiesFvNiRealizedGainLoss
-5000
CY2024Q2 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-87000
CY2023Q2 us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-74000
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-28000
us-gaap Equity Securities Fv Ni Unrealized Gain Loss
EquitySecuritiesFvNiUnrealizedGainLoss
-297000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities Within One Year Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost
48416000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities Within One Year Fair Value
AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue
47437000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost
143357000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After One Through Five Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue
132756000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost
85933000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After Five Through Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue
77550000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Amortized Cost
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost
161863000
CY2024Q2 us-gaap Available For Sale Securities Debt Maturities After Ten Years Fair Value
AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue
144918000
CY2024Q2 us-gaap Available For Sale Debt Securities Amortized Cost Basis
AvailableForSaleDebtSecuritiesAmortizedCostBasis
439569000
CY2024Q2 us-gaap Available For Sale Securities Debt Securities
AvailableForSaleSecuritiesDebtSecurities
402661000
CY2024Q2 us-gaap Notes Receivable Gross
NotesReceivableGross
2255716000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
2248836000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22797000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2024Q2 us-gaap Notes Receivable Net
NotesReceivableNet
2232919000
CY2023Q4 us-gaap Notes Receivable Net
NotesReceivableNet
2227683000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22797000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2024Q2 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1066000
CY2023Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1265000
CY2024Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
23863000
CY2023Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
22418000
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21598000
CY2024Q1 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
938000
CY2024Q1 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
22536000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
682000
CY2024Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOff
682000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
7000
CY2024Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery
7000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Loss Writeoff After Recovery
FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
675000
CY2024Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off After Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOffAfterRecovery
-675000
CY2024Q2 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1874000
CY2024Q2 czfs Off Balance Sheet Credit Loss Liability Provision For Credit Losses
OffBalanceSheetCreditLossLiabilityProvisionForCreditLosses
128000
CY2024Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Expensed
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityExpensed
2002000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22797000
CY2024Q2 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1066000
CY2024Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
23863000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2023Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1265000
CY2023Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
22418000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
1356000
czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOff
1356000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
14000
czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery
14000
us-gaap Financing Receivable Allowance For Credit Loss Writeoff After Recovery
FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
1342000
czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off After Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOffAfterRecovery
-1342000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
2986000
czfs Off Balance Sheet Credit Loss Liability Provision For Credit Losses
OffBalanceSheetCreditLossLiabilityProvisionForCreditLosses
-199000
czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Expensed
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityExpensed
2787000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22797000
CY2024Q2 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1066000
CY2024Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
23863000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15250000
CY2023Q1 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1229000
CY2023Q1 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
16479000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
4000
CY2023Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOff
4000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
26000
CY2023Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery
26000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Loss Writeoff After Recovery
FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
-22000
CY2023Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off After Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOffAfterRecovery
22000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21652000
CY2023Q2 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1391000
CY2023Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
23043000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
CY2022Q4 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
165000
CY2022Q4 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
18717000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
11000
czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOff
11000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
31000
czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery
31000
us-gaap Financing Receivable Allowance For Credit Loss Writeoff After Recovery
FinancingReceivableAllowanceForCreditLossWriteoffAfterRecovery
-20000
czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability Write Off After Recovery
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteOffAfterRecovery
20000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21652000
CY2023Q2 us-gaap Off Balance Sheet Credit Loss Liability
OffBalanceSheetCreditLossLiability
1391000
CY2023Q2 czfs Financing Receivable Allowance For Credit Loss And Off Balance Sheet Credit Loss Liability
FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiability
23043000
CY2024Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21598000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
682000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
7000
CY2024Q2 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
1874000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22797000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
1356000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
14000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
2986000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22797000
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
15250000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Loss Loan Purchased
FinancingReceivableAllowanceForCreditLossLoanPurchased
1689000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
4000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
26000
CY2023Q2 us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
4691000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21652000
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
18552000
us-gaap Financing Receivable Allowance For Credit Loss Loan Purchased
FinancingReceivableAllowanceForCreditLossLoanPurchased
1689000
us-gaap Financing Receivable Allowance For Credit Losses Write Offs
FinancingReceivableAllowanceForCreditLossesWriteOffs
11000
us-gaap Financing Receivable Allowance For Credit Losses Recovery
FinancingReceivableAllowanceForCreditLossesRecovery
31000
us-gaap Provision For Loan Losses Expensed
ProvisionForLoanLossesExpensed
4691000
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21652000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
20392000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
2405000
CY2024Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
22797000
CY2024Q2 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
2242194000
CY2024Q2 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
13522000
CY2024Q2 us-gaap Notes Receivable Gross
NotesReceivableGross
2255716000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Collectively Evaluated For Impairment
FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
19181000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses Individually Evaluated For Impairment1
FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
1972000
CY2023Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21153000
CY2023Q4 us-gaap Financing Receivable Collectively Evaluated For Impairment
FinancingReceivableCollectivelyEvaluatedForImpairment
2235955000
CY2023Q4 us-gaap Financing Receivable Individually Evaluated For Impairment
FinancingReceivableIndividuallyEvaluatedForImpairment
12881000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
2248836000
CY2024Q2 czfs Financing Receivable Nonaccrual With Allowance For Credit Loss
FinancingReceivableNonaccrualWithAllowanceForCreditLoss
3928000
CY2024Q2 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
11021000
CY2024Q2 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
285000
CY2024Q2 czfs Financing Receivable Recorded Investment Non Performing Loans
FinancingReceivableRecordedInvestmentNonPerformingLoans
15234000
CY2023Q4 czfs Financing Receivable Nonaccrual With Allowance For Credit Loss
FinancingReceivableNonaccrualWithAllowanceForCreditLoss
4398000
CY2023Q4 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
7789000
CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
516000
CY2023Q4 czfs Financing Receivable Recorded Investment Non Performing Loans
FinancingReceivableRecordedInvestmentNonPerformingLoans
12703000
CY2024Q2 us-gaap Financing Receivable Nonaccrual No Allowance
FinancingReceivableNonaccrualNoAllowance
11000000
CY2024Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
14949000
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
12187000
CY2024Q2 us-gaap Notes Receivable Gross
NotesReceivableGross
2255716000
CY2024Q2 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
285000
CY2024Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
14949000
CY2024Q2 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
2240767000
CY2024Q2 us-gaap Notes Receivable Gross
NotesReceivableGross
2255716000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
2248836000
CY2023Q4 us-gaap Financing Receivable Recorded Investment90 Days Past Due And Still Accruing
FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing
516000
CY2023Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
12187000
CY2023Q4 czfs Financing Receivable Recorded Investment Total And Still Accruing
FinancingReceivableRecordedInvestmentTotalAndStillAccruing
2236649000
CY2023Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
2248836000
czfs Accruing Modified Loans To Borrowers Experiencing Financial Difficulty Number Of Loans
AccruingModifiedLoansToBorrowersExperiencingFinancialDifficultyNumberOfLoans
0
CY2024Q2 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
2690000
CY2023Q4 us-gaap Other Real Estate And Foreclosed Assets
OtherRealEstateAndForeclosedAssets
474000
CY2024Q2 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
7214000
CY2024Q2 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
3970000
CY2024Q2 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
3244000
CY2023Q4 us-gaap Finite Lived Intangible Assets Gross
FiniteLivedIntangibleAssetsGross
7170000
CY2023Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
3520000
CY2023Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
3650000
CY2024Q2 us-gaap Goodwill
Goodwill
85758000
CY2023Q4 us-gaap Goodwill
Goodwill
85758000
CY2024Q2 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
221000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
450000
CY2023Q2 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
106000
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
210000
CY2024Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year
FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear
405000
CY2024Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
713000
CY2024Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
579000
CY2024Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
466000
CY2024Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
364000
CY2024Q2 czfs Finite Lived Intangible Asset Expected Amortization After Year Four
FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour
717000
CY2024Q2 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
3244000
CY2024Q2 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
1174000
CY2024Q2 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
486000
CY2024Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
688000
us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-33000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
988000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-1021000
CY2023Q2 us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
-3848000
CY2023Q2 us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
370000
CY2023Q2 us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
-4218000
us-gaap Oci Before Reclassifications Net Of Tax Attributable To Parent
OciBeforeReclassificationsNetOfTaxAttributableToParent
2885000
us-gaap Reclassification From Aoci Current Period Net Of Tax Attributable To Parent
ReclassificationFromAociCurrentPeriodNetOfTaxAttributableToParent
724000
us-gaap Other Comprehensive Income Loss Net Of Tax Portion Attributable To Parent
OtherComprehensiveIncomeLossNetOfTaxPortionAttributableToParent
2161000
czfs Collateral Dependent Loans Estimated Selling Cost
CollateralDependentLoansEstimatedSellingCost
148000
CY2023 czfs Collateral Dependent Loans Estimated Selling Cost
CollateralDependentLoansEstimatedSellingCost
396000
CY2024Q2 ecd Non Rule10b51 Arr Adopted Flag
NonRule10b51ArrAdoptedFlag
false
CY2024Q2 ecd Rule10b51 Arr Adopted Flag
Rule10b51ArrAdoptedFlag
false
CY2024Q2 ecd Non Rule10b51 Arr Trmntd Flag
NonRule10b51ArrTrmntdFlag
false
CY2024Q2 ecd Rule10b51 Arr Trmntd Flag
Rule10b51ArrTrmntdFlag
false

Files In Submission

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0001140361-24-036304-index-headers.html Edgar Link pending
0001140361-24-036304-index.html Edgar Link pending
0001140361-24-036304.txt Edgar Link pending
0001140361-24-036304-xbrl.zip Edgar Link pending
czfs-20240630.xsd Edgar Link pending
ef20029699_10q.htm Edgar Link pending
ef20029699_ex31-1.htm Edgar Link pending
ef20029699_ex31-2.htm Edgar Link pending
ef20029699_ex32-1.htm Edgar Link pending
Financial_Report.xlsx Edgar Link pending
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czfs-20240630_def.xml Edgar Link unprocessable
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ef20029699_10q_htm.xml Edgar Link completed
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report.css Edgar Link pending
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czfs-20240630_cal.xml Edgar Link unprocessable
czfs-20240630_pre.xml Edgar Link unprocessable
czfs-20240630_lab.xml Edgar Link unprocessable