Citizens Financial Services Inc
NASDAQ:CZFS
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| 52 Week Range |
38.798
72.74
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Citizens Financial Services Inc
Balance Sheet
Balance Sheet Decomposition
Citizens Financial Services Inc
| Net Loans | 2.3B |
| Investments | 454.5m |
| PP&E | 21.2m |
| Intangibles | 88.8m |
| Other Assets | 152.6m |
| Total Deposits | 2.5B |
| Long Term Debt | 231.7m |
| Other Liabilities | 45.9m |
Balance Sheet
Citizens Financial Services Inc
| Dec-2014 | Dec-2015 | Dec-2016 | Dec-2017 | Dec-2018 | Dec-2019 | Dec-2020 | Dec-2021 | Dec-2022 | Dec-2023 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||
| Net Loans |
547
|
688
|
791
|
989
|
1 069
|
1 102
|
1 390
|
1 424
|
1 706
|
2 228
|
|
| Investments |
310
|
368
|
321
|
262
|
248
|
248
|
332
|
471
|
467
|
458
|
|
| PP&E Net |
12
|
17
|
17
|
17
|
16
|
17
|
19
|
20
|
23
|
33
|
|
| PP&E Gross |
12
|
17
|
17
|
17
|
16
|
17
|
19
|
20
|
23
|
33
|
|
| Accumulated Depreciation |
11
|
12
|
12
|
13
|
13
|
14
|
15
|
16
|
17
|
18
|
|
| Intangible Assets |
0
|
2
|
2
|
2
|
2
|
1
|
2
|
2
|
1
|
4
|
|
| Goodwill |
10
|
21
|
21
|
23
|
23
|
23
|
31
|
31
|
31
|
86
|
|
| Customer Acceptances Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Long-Term Assets |
0
|
4
|
4
|
3
|
3
|
0
|
0
|
0
|
13
|
17
|
|
| Other Assets |
47
|
67
|
76
|
77
|
81
|
85
|
101
|
106
|
105
|
210
|
|
| Total Assets |
925
N/A
|
1 163
+26%
|
1 223
+5%
|
1 362
+11%
|
1 431
+5%
|
1 466
+2%
|
1 892
+29%
|
2 144
+13%
|
2 333
+9%
|
2 975
+28%
|
|
| Liabilities | |||||||||||
| Accounts Payable |
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
4
|
|
| Accrued Liabilities |
0
|
0
|
0
|
0
|
0
|
1
|
2
|
3
|
5
|
11
|
|
| Short-Term Debt |
6
|
16
|
14
|
15
|
18
|
11
|
15
|
17
|
18
|
18
|
|
| Current Portion of Long-Term Debt |
0
|
0
|
10
|
9
|
10
|
28
|
47
|
0
|
0
|
0
|
|
| Total Deposits |
774
|
988
|
1 006
|
1 105
|
1 185
|
1 211
|
1 589
|
1 836
|
1 844
|
2 321
|
|
| Other Interest Bearing Liabilities |
17
|
2
|
41
|
78
|
52
|
25
|
0
|
40
|
222
|
234
|
|
| Total Current Liabilities |
7
|
17
|
25
|
24
|
29
|
41
|
65
|
21
|
24
|
34
|
|
| Long-Term Debt |
19
|
24
|
15
|
14
|
12
|
22
|
27
|
17
|
17
|
70
|
|
| Other Liabilities |
8
|
13
|
14
|
12
|
14
|
13
|
16
|
17
|
26
|
37
|
|
| Total Liabilities |
825
N/A
|
1 043
+27%
|
1 100
+5%
|
1 233
+12%
|
1 292
+5%
|
1 312
+2%
|
1 697
+29%
|
1 931
+14%
|
2 133
+10%
|
2 696
+26%
|
|
| Equity | |||||||||||
| Common Stock |
3
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
5
|
|
| Retained Earnings |
80
|
86
|
91
|
90
|
100
|
111
|
127
|
146
|
165
|
173
|
|
| Additional Paid In Capital |
25
|
41
|
42
|
51
|
53
|
55
|
76
|
78
|
81
|
143
|
|
| Unrealized Security Profit/Loss |
3
|
2
|
1
|
0
|
1
|
2
|
6
|
2
|
32
|
28
|
|
| Treasury Stock |
8
|
10
|
13
|
13
|
14
|
14
|
15
|
16
|
17
|
17
|
|
| Other Equity |
2
|
2
|
3
|
3
|
3
|
3
|
4
|
2
|
1
|
3
|
|
| Total Equity |
101
N/A
|
120
+19%
|
123
+3%
|
129
+5%
|
139
+8%
|
155
+11%
|
194
+26%
|
213
+9%
|
200
-6%
|
280
+40%
|
|
| Total Liabilities & Equity |
925
N/A
|
1 163
+26%
|
1 223
+5%
|
1 362
+11%
|
1 431
+5%
|
1 466
+2%
|
1 892
+29%
|
2 144
+13%
|
2 333
+9%
|
2 975
+28%
|
|
| Shares Outstanding | |||||||||||
| Common Shares Outstanding |
3
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
4
|
5
|
|
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