CITIZENS FINANCIAL SERVICES INC

CZFS · XNAS

CIK 739421fmd_0DBKSXZMRKG7KDA596B2PV9Q38Finance, Insurance and Real Estate · State Commercial BanksTemplate: Financials

Coverage: Jan 01, 2009 to Sep 30, 2026, 72 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	43	48	57	62	70	73	83	127	154	159
Total revenues	46	51	7	7	7	8	9	9	10	10
Net interest income	38	42	47	50	62	66	72	80	86	98
Provision for credit losses	2	3	2	2	2	2	2	6	3	2
Realized investment gains (losses)	0	1	0	0	(0)	0	(0)	(0)	0	0
Net interest income after provision	36	40	45	48	60	65	70	75	84	96
Non-interest income	8	9	8	8	11	12	10	12	15	14
Compensation and benefits	17	18	19	20	24	26	28	35	39	39
Non-interest expense	29	29	32	33	41	42	45	65	65	65
Interest expense	5	6	10	12	8	7	11	47	68	61
Income before taxes	16	19	21	23	30	35	35	22	34	45
Income tax expense	3	6	3	4	5	6	6	4	6	9
Net income from continuing operations	13	13	18	19	25	29	29	18	28	37
Net income	13	13	18	19	25	29	29	18	28	37