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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 withbanks$89K (-32.58%↓ Y/Y)Total interest anddividend income$39,505K (1.95%↑ Y/Y)Service charges$1,388K (6.52%↑ Y/Y)Earnings on bank ownedlife 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-interestincome$4,014K (9.52%↑ Y/Y)Total interestexpense$13,811K (-8.54%↓ Y/Y)Income beforeprovision for income taxes$12,341K (18.48%↑ Y/Y)Total non-interestexpenses$16,867K (4.46%↑ Y/Y)Provision for creditlosses$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 employeebenefits$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 estateowned expenses$194K (165.75%↑ Y/Y)Amortization of intangibles$105K (-17.32%↓ Y/Y)
Income Statement

CITIZENS FINANCIAL SERVICES INC (CZFS)

CITIZENS FINANCIAL SERVICES INC (CZFS)

source: myfinsight.com