Citizens Financial Services Income Statement (2016-2021) | CZFS

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Income Statement Mar2016 Jun2016 Sep2016 Dec2016 Mar2017 Jun2017 Sep2017 Dec2017 Mar2018 Jun2018 Sep2018 Dec2018 Mar2019 Jun2019 Sep2019 Dec2019 Mar2020 Jun2020 Sep2020 Dec2020 Mar2021 Jun2021 Sep2021 Dec2021
Revenue & Cost
Provisions 0.14M0.14M0.50M0.75M0.61M0.62M0.50M0.80M0.50M0.33M0.47M0.62M0.40M0.35M0.40M0.53M0.40M0.55M0.55M0.90M0.65M0.50M0.40M
Revenue 11.09M11.03M11.62M11.87M1.06M1.12M1.15M1.13M1.62M1.57M1.63M1.69M1.74M1.72M1.74M1.73M1.73M1.45M1.76M1.81M1.90M18.92M19.44M19.38M
Interest income
Interest income - Loans 8.60M8.59M9.20M9.46M9.72M10.30M10.66M11.45M11.86M12.46M12.67M13.47M13.31M13.78M13.91M13.91M13.64M16.41M16.72M16.77M16.69M16.37M16.50M16.80M
Interest income - Investments 0.08M0.06M0.06M0.08M0.08M0.05M0.06M0.08M0.14M0.11M0.11M0.09M0.13M0.12M0.12M0.13M0.11M0.07M0.10M0.12M0.10M0.11M0.14M0.04M
Interest Income - Debt Securities 1.66M1.81M1.56M1.49M1.30M1.42M1.46M0.86M1.35M1.43M1.52M0.99M1.32M1.46M1.36M1.58M1.47M1.58M1.37M2.05M1.39M1.72M1.69M2.48M
Interest Income - Deposits 0.07M0.06M0.05M0.04M0.04M0.04M0.05M0.06M0.06M0.07M0.09M0.10M0.10M0.10M0.10M0.10M0.10M0.10M0.11M0.10M0.11M0.11M0.12M0.11M
Interest Income - Total 10.46M10.43M10.95M11.17M11.30M11.78M12.12M12.89M13.38M14.03M14.26M15.09M15.02M15.50M15.87M15.59M15.34M18.16M18.39M18.41M18.30M18.07M18.34M18.50M
Interest expenses
Interest Expense - Deposits 1.07M1.07M1.05M1.05M1.04M1.14M1.21M1.23M1.32M1.58M1.79M2.21M2.31M2.40M2.31M2.19M1.99M1.66M1.64M1.57M1.60M1.52M1.42M1.29M
Interest Expense - Debt 0.18M0.18M0.19M0.24M0.26M0.23M0.29M0.43M0.65M0.69M0.69M0.63M0.79M0.77M0.66M0.60M0.46M0.22M0.28M0.29M0.26M0.34M0.33M0.34M
Interest Expenses 1.26M1.25M1.24M1.29M1.30M1.37M1.50M1.66M1.96M2.28M2.49M2.85M3.10M3.17M2.98M2.80M2.45M1.87M1.92M1.87M1.85M1.86M1.75M1.64M
Interest Income - Net 9.21M9.17M9.71M9.88M10.00M10.40M10.62M11.24M11.42M11.75M11.77M12.24M11.91M12.34M12.90M12.79M12.89M16.29M16.47M16.55M16.44M16.21M16.59M16.87M
Non-interest income
Interest Income - Total 9.07M9.04M9.21M9.13M9.38M9.78M10.12M10.44M10.92M11.43M11.29M11.62M11.52M11.99M12.50M12.27M12.49M15.74M15.92M15.64M15.79M15.71M16.19M16.87M
Financial Services Fees 0.21M0.16M0.21M0.19M0.19M0.11M0.15M0.18M0.34M0.35M0.36M0.38M0.41M0.41M0.43M
Service Charges 1.08M1.11M1.11M1.11M1.16M1.21M1.28M
Investment Gain (Loss) 0.03M0.13M0.10M0.17M0.02M0.01M0.83M0.01M0.01M-0.01M-0.02M0.01M0.03M0.04M0.07M-0.25M0.13M0.15M-0.07M0.24M0.03M0.23M-0.16M
Investment Banking Income 0.05M0.07M0.11M0.22M0.10M0.15M0.13M0.20M0.07M0.06M0.17M0.08M0.10M0.06M0.18M0.13M0.17M0.26M0.85M0.89M0.50M0.31M0.29M0.17M
Income - Trust 0.20M0.18M0.16M0.15M0.22M0.19M0.19M0.16M0.20M0.20M0.26M0.31M0.18M0.18M0.19M
Trading Income 0.01M0.03M0.04M0.07M-0.25M0.13M0.15M0.24M0.24M0.03M0.23M
Other Non-Interest Income 0.17M0.17M0.17M0.17M0.17M0.17M0.17M0.16M0.15M0.15M0.16M0.15M2.02M2.00M2.14M2.08M2.10M1.94M3.39M3.73M1.31M0.45M0.36M0.18M
Non-Interest Income 1.89M1.85M1.91M1.99M1.86M1.86M1.91M1.98M1.90M1.83M2.02M2.00M2.03M2.03M2.18M2.08M1.85M2.07M3.54M3.96M4.24M2.71M2.85M2.51M
Operating Items
Amortization - Intangibles 0.77M0.76M0.73M0.71M0.67M0.60M0.59M0.56M0.53M0.47M0.42M0.32M0.36M0.37M0.38M0.38M0.39M0.46M0.48M0.53M0.54M0.55M0.56M0.55M
Depreciation & Amortization - Total 0.16M0.17M0.16M0.15M0.14M0.15M0.16M0.16M0.14M0.12M0.13M0.14M0.15M0.18M0.17M0.17M0.13M0.19M0.27M0.17M0.14M0.14M0.12M0.11M
Wages, Salaries and Other 3.88M3.90M4.29M4.47M4.37M4.38M4.29M4.62M4.83M4.74M4.68M4.84M5.03M5.00M5.10M5.33M5.41M5.89M6.10M6.78M6.26M6.48M6.57M6.59M
Rent Expense 0.45M0.46M0.48M0.52M0.53M0.48M0.47M0.51M0.59M0.51M0.50M0.52M0.59M0.52M0.53M0.54M0.53M0.65M0.71M0.67M0.78M0.71M0.73M0.74M
Restructuring Costs 0.28M0.19M0.38M1.80M
Other Operating Expenses 6.31M6.67M6.55M6.59M6.53M6.54M6.61M7.04M7.10M7.07M7.16M7.57M7.58M5.36M5.85M5.60M7.89M5.15M7.68M6.97M9.02M9.47M9.55M10.03M
Operating Expenses 6.91M7.30M7.20M7.26M7.19M7.17M7.25M7.71M7.83M7.70M7.79M8.23M8.32M8.24M8.41M8.37M8.92M11.41M9.69M10.82M9.95M10.32M10.40M10.88M
EBIT 5.33M4.97M5.16M5.25M5.53M5.88M6.29M7.20M6.96M7.84M8.01M8.21M8.33M8.94M9.24M8.84M7.87M8.27M11.68M10.65M11.93M9.96M10.39M10.13M
Non-operating items
Non Operating Income 0.06M0.06M-0.05M0.05M0.05M0.05M0.06M0.06M0.06M0.09M0.16M0.27M0.06M-0.25M0.09M0.08M0.08M0.08M
Net income details
EBT 4.07M3.72M3.92M3.96M4.23M4.50M4.79M5.54M4.99M5.57M5.52M5.36M5.23M5.78M6.26M6.05M5.42M6.39M9.77M8.79M10.08M8.10M8.64M8.50M
Tax Provisions 0.79M0.69M0.77M0.79M0.92M1.03M1.14M2.93M0.75M0.88M0.94M0.84M0.82M0.93M1.07M1.00M0.89M1.05M1.76M1.56M1.62M1.45M1.58M1.55M
Profit After Tax 3.28M3.03M3.15M3.17M3.30M3.47M3.65M2.60M4.25M4.69M4.58M4.51M4.41M4.85M5.20M5.04M4.53M5.34M8.01M7.23M8.46M6.65M7.06M6.94M
Equity Income 0.01M0.01M-0.00M-0.01M0.01M0.03M0.03M0.05M-0.25M0.01M-0.10M0.30M0.19M0.03M0.07M0.05M
Income from Continuing Operations 3.28M3.03M3.15M3.17M3.30M3.47M3.65M2.60M4.25M4.69M4.58M4.51M4.41M4.85M5.20M5.04M4.53M5.34M8.01M7.23M8.46M6.65M7.06M6.94M
Consolidated Net Income 3.28M3.03M3.15M3.17M3.30M3.47M3.65M2.60M4.25M4.69M4.58M4.51M4.41M4.85M5.20M5.04M4.53M5.34M8.01M7.23M8.46M6.65M7.06M6.94M
Income towards Parent Company 3.28M3.03M3.15M3.17M3.30M3.47M3.65M2.60M4.25M4.69M4.58M4.51M4.41M4.85M5.20M5.04M4.53M5.34M8.01M7.23M8.46M6.65M7.06M6.94M
Net Income towards Common Stockholders 3.28M3.03M3.15M3.17M3.30M3.47M3.65M2.60M4.25M4.69M4.58M4.51M4.41M4.85M5.20M5.04M4.53M5.34M8.01M7.23M8.46M6.65M7.06M6.94M
Additional items
EPS (Basic) 0.930.860.900.910.930.991.040.741.191.321.301.281.241.361.461.421.261.372.021.832.141.671.771.68
EPS (Weighted Average and Diluted) 0.930.860.900.910.930.991.040.741.191.321.301.281.241.361.461.421.261.372.021.832.141.671.771.68
Shares Outstanding (Weighted Average) 3.67M3.67M4.04M4.05M4.04M4.03M4.03M4.07M
EBITDA 5.49M5.14M5.32M5.41M5.67M6.02M6.45M7.36M7.10M7.96M8.14M8.35M8.48M9.12M9.40M9.02M8.00M8.46M11.95M10.82M12.08M10.10M10.52M10.25M
Tax Rate 19.42%18.48%19.57%19.92%21.84%22.95%23.82%52.98%14.96%15.72%16.97%15.76%15.71%16.10%17.02%16.59%16.40%16.49%18.01%17.76%16.03%17.92%18.26%18.29%