CITIZENS FINANCIAL SERVICES INC (CZFS)
2025-06-30 | 2025-03-31 | |||
|---|---|---|---|---|
| Total consolidated revenues | - | 42,441 | ||
| Segment net interest income and non-interest income | - | 26,429 | ||
| Provision for income taxes | 1,953 | 1,755 | ||
| Other | 426 | - | ||
| Brokerage and insurance | 627 | - | ||
| Gains on loans sold | 739 | - | ||
| Gain on sale of braavo division | - | - | ||
| Equity security gains (losses), net | 32 | - | ||
| Earnings on bank owned life insurance | 355 | - | ||
| Trust | 183 | - | ||
| Service charges | 1,303 | - | ||
| Total non-interest income | 3,665 | - | ||
| Professional fees | 525 | - | ||
| Other | 2,693 | - | ||
| Occupancy | 1,182 | 1,356 | ||
| Salaries and employee benefits | 9,976 | 10,289 | ||
| Fdic insurance | 495 | - | ||
| Furniture and equipment | 318 | - | ||
| Software expenses | 453 | - | ||
| Pennsylvania shares tax | 305 | - | ||
| Other real estate owned expenses | 73 | - | ||
| Amortization of intangibles | 127 | - | ||
| Total non-interest expenses | 16,147 | - | ||
| Deposits | 11,449 | - | ||
| Borrowed funds | 3,652 | - | ||
| Total interest expense | 15,101 | 16,012 | ||
| Nontaxable | 584 | - | ||
| Taxable | 2,397 | - | ||
| Interest-bearing deposits with banks | 132 | - | ||
| Interest and fees on loans | 35,227 | - | ||
| Dividends | 409 | - | ||
| Total interest income | 38,749 | - | ||
| Net interest income | 23,648 | - | ||
| Provision for credit losses | 750 | - | ||
| Net interest income after provision for credit losses | 22,898 | - | ||
| Income before provision for income taxes | 10,416 | - | ||
| Provision for credit losses | - | 625 | ||
| Other segment expenses | - | 4,783 | ||
| Net income | 8,463 | 7,621 | ||
| Net income - basic (in dollars per share) | 1.76 | 1.6 | ||
| Net income - diluted (in dollars per share) | 1.76 | 1.6 | ||
| Number of shares used in computation - basic (in shares) | 4,797,716 | 4,750,538 | ||
| Number of shares used in computation - diluted (in shares) | 4,800,384 | 4,751,943 | ||