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Income Statement
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Balance Sheet
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Income Overview
Net Income
$10,187K
EPS
$2.12
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
35,233
36,362
37,450*
36,418
Interest-bearing deposits with banks
89
103
126*
119
Taxable
2,823
2,511
2,422*
2,595
Nontaxable
968
879
724*
684
Dividends
392
422
430*
438
Total interest and dividend income
39,505
40,277
41,151
40,254
Deposits
11,160
11,305
11,721*
11,501
Borrowed funds
2,651
2,859
3,220*
3,613
Total interest expense
13,811
14,164
14,940
15,114
Net interest income
25,694
26,113
26,499*
25,140
Provision for credit losses
500
500
500*
500
Net interest income after provision for credit losses
-
25,613
25,999*
24,640
Service charges
1,388
1,324
1,550*
1,598
Trust
200
235
239*
186
Available for sale security losses, net
-
-
0*
-
Brokerage and insurance
640
569
545*
761
Gains on loans sold
621
265
118*
709
Equity security losss, net
96
19
-32*
34
Gain on sale of braavo division
-
-
0*
0
Earnings on bank owned life insurance
787
570
356*
363
Other
282
708
623*
203
Total non-interest income
4,014
3,690
3,398
3,854
Salaries and employee benefits
10,272
10,276
9,213
9,924
Occupancy
1,289
1,412
1,441
1,320
Furniture and equipment
336
287
323*
273
Professional fees
528
540
814*
493
Fdic insurance
370
395
375*
395
Pennsylvania shares tax
340
377
-363*
430
Amortization of intangibles
105
106
118*
113
Merger and acquisition
-
-
0*
-
Software expenses
429
455
479*
457
Other real estate owned expenses
194
196
149*
6
Other
3,004
2,557
3,764*
2,723
Total non-interest expenses
16,867
16,601
16,311*
16,134
Income before provision for income taxes
12,341
12,702
13,086
12,360
Provision for income taxes
2,154
2,326
2,603
2,355
Net income
10,187
10,376
10,483
10,005
Basic EPS
2.12
2.16
2.164
2.09
Diluted EPS
2.12
2.16
2.161
2.09
Basic Average Shares
4,797,940
4,798,170
4,844,880
4,796,946
Diluted Average Shares
4,802,193
4,799,078
4,849,994
4,798,051
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$35,233K
(0.02%↑ Y/Y)
Taxable
$2,823K
(17.77%↑ Y/Y)
Nontaxable
$968K
(65.75%↑ Y/Y)
Dividends
$392K
(-4.16%↓ Y/Y)
Interest-bearing deposits with
banks
$89K
(-32.58%↓ Y/Y)
Total interest and
dividend income
$39,505K
(1.95%↑ Y/Y)
Service charges
$1,388K
(6.52%↑ Y/Y)
Earnings on bank owned
life insurance
$787K
(121.69%↑ Y/Y)
Brokerage and insurance
$640K
(2.07%↑ Y/Y)
Gains on loans sold
$621K
(-15.97%↓ Y/Y)
Other
$282K
(-33.80%↓ Y/Y)
Trust
$200K
(9.29%↑ Y/Y)
Equity security losss,
net
$96K
(200.00%↑ Y/Y)
Net interest income
$25,694K
(8.65%↑ Y/Y)
Total non-interest
income
$4,014K
(9.52%↑ Y/Y)
Total interest
expense
$13,811K
(-8.54%↓ Y/Y)
Income before
provision for income taxes
$12,341K
(18.48%↑ Y/Y)
Total non-interest
expenses
$16,867K
(4.46%↑ Y/Y)
Provision for credit
losses
$500K
(-33.33%↓ Y/Y)
Deposits
$11,160K
(-2.52%↓ Y/Y)
Borrowed funds
$2,651K
(-27.41%↓ Y/Y)
Net income
$10,187K
(20.37%↑ Y/Y)
Provision for income taxes
$2,154K
(10.29%↑ Y/Y)
Salaries and employee
benefits
$10,272K
(2.97%↑ Y/Y)
Other
$3,004K
(11.55%↑ Y/Y)
Occupancy
$1,289K
(9.05%↑ Y/Y)
Professional fees
$528K
(0.57%↑ Y/Y)
Software expenses
$429K
(-5.30%↓ Y/Y)
Fdic insurance
$370K
(-25.25%↓ Y/Y)
Pennsylvania shares tax
$340K
(11.48%↑ Y/Y)
Furniture and equipment
$336K
(5.66%↑ Y/Y)
Other real estate
owned expenses
$194K
(165.75%↑ Y/Y)
Amortization of intangibles
$105K
(-17.32%↓ Y/Y)
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CITIZENS FINANCIAL SERVICES INC (CZFS)
CITIZENS FINANCIAL SERVICES INC (CZFS)