Citizens Financial Services Income Statement (2010-2026) | CZFS

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Income Statement	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026
Revenue & Cost
Provisions (Quarter)	0.50M	0.40M		0.25M	0.45M	0.72M	0.26M		4.69M	0.60M	0.24M	0.79M	2.00M	-0.20M	0.59M	0.62M	0.75M	0.50M	0.50M	0.50M
Revenue (Quarter)	18.92M	19.44M	19.38M	18.69M	20.03M	21.54M	21.61M	20.25M	17.95M	26.07M	23.40M	25.93M	24.64M	25.08M	26.21M	26.43M	27.31M	28.99M	29.61M	29.80M
Interest income
Interest income - Loans (Quarter)	16.37M	16.50M	16.80M	15.92M	17.12M	19.40M	21.83M	22.55M	24.12M	33.77M	35.64M	35.13M	35.07M	35.86M	36.63M	35.56M	35.23M	36.42M	37.23M	36.36M
Interest income - Investments (Quarter)	0.10M	0.08M	0.09M	0.08M	0.12M	0.18M	0.27M	0.31M	0.31M	0.38M	0.40M	0.40M	0.39M	0.39M	0.37M	0.43M	0.41M	0.44M	0.42M	0.42M
Interest Income - Debt Securities (Quarter)	0.94M	1.07M	4.42M	1.11M	1.77M	2.16M	1.56M	1.48M	1.68M	1.73M	3.40M	1.62M	1.66M	1.74M	6.53M	2.34M	2.40M	2.60M	1.94M	2.51M
Interest Income - Deposits (Quarter)	0.11M	0.12M	0.11M	0.12M	0.16M	0.06M	0.07M	0.07M	0.13M	0.26M	0.27M	0.24M	0.26M	0.19M	0.16M	0.14M	0.13M	0.12M	0.11M	0.10M
Interest Income - Total (Quarter)	18.07M	18.34M	18.50M	17.82M	19.41M	21.78M	24.35M	25.11M	26.81M	36.69M	38.51M	37.93M	37.90M	38.69M	39.79M	39.01M	38.75M	40.25M	41.15M	40.28M
Interest expenses
Interest Expense - Deposits (Quarter)	1.52M	1.42M	1.29M	1.27M	1.36M	1.84M	2.85M	3.94M	5.48M	10.10M	12.18M	12.32M	12.65M	13.47M	13.88M	12.29M	11.45M	11.50M	11.81M	11.30M
Interest Expense - Debt (Quarter)	0.34M	0.33M	0.34M	0.28M	0.32M	1.10M	2.21M	3.09M	3.41M	4.18M	4.48M	4.65M	3.95M	3.89M	3.04M	3.72M	3.65M	3.61M	3.13M	2.86M
Interest Expenses (Quarter)	1.86M	1.75M	1.64M	1.55M	1.68M	2.94M	5.05M	7.03M	8.89M	14.29M	16.66M	16.98M	16.60M	17.36M	16.92M	16.01M	15.10M	15.11M	14.94M	14.16M
Interest Income - Net (Quarter)	16.21M	16.59M	16.87M	16.26M	17.73M	18.85M	19.30M	18.08M	0.92M	22.40M	14.70M	20.96M	21.30M	21.32M	22.87M	23.00M	23.65M	25.14M	26.21M	26.11M
Non-interest income
Interest Income - Total (Quarter)	15.71M	16.19M	16.87M	16.01M	17.28M	18.12M	19.04M	18.08M	13.07M	21.93M	21.66M	20.17M	19.30M	21.52M	22.87M	22.38M	22.90M	24.64M	25.71M	25.61M
Financial Services Fees (Quarter)	0.41M	0.41M	0.43M	0.48M	0.50M	0.45M	0.47M	0.51M	0.44M	0.47M	0.49M	0.67M	0.56M	0.55M	0.61M	0.68M	0.63M	0.76M	0.56M	0.57M
Service Charges (Quarter)	1.16M	1.21M	1.28M	1.25M	1.32M	1.51M	1.26M	1.21M	1.29M	1.69M	1.44M	1.37M	1.39M	1.64M	1.36M	1.29M	1.30M	1.60M	1.38M	1.32M
Investment Gain (Loss) (Quarter)		0.16M	-0.16M	-0.04M		-0.01M	-0.04M	-0.22M	-0.05M		0.13M	0.06M			0.02M	-0.01M			0.01M	0.02M
Investment Banking Income (Quarter)	0.31M	0.29M	0.17M	0.10M	0.04M	0.10M	0.02M	0.04M	0.17M	0.46M	0.78M	0.42M	0.48M	0.75M	0.67M	0.27M	0.74M	0.71M	0.57M	0.27M
Income - Trust (Quarter)	0.18M	0.18M	0.19M	0.25M	0.18M	0.19M	0.18M	0.23M	0.18M	0.17M	0.18M	0.24M	0.20M	0.18M	0.19M	0.22M	0.18M	0.19M	0.20M	0.23M
Trading Income (Quarter)	0.03M	0.23M	0.05M
Other Non-Interest Income (Quarter)	0.14M	0.80M	2.46M	0.01M	0.21M	0.22M	0.22M	0.22M	0.09M	0.81M	0.31M	0.67M	0.51M	1.21M	0.10M	0.35M	0.35M	0.36M	-1.06M	0.57M
Non-Interest Income (Quarter)	2.71M	2.85M	2.51M	2.43M	2.30M	2.69M	2.31M	2.17M	0.03M	3.66M	1.54M	4.97M	3.34M	3.75M	3.34M	3.43M	3.67M	3.85M	3.40M	3.69M
Operating Items
Amortization - Intangibles (Quarter)	0.12M	0.11M	-1.46M	0.04M	0.12M	0.04M	0.04M	0.62M	0.57M	0.16M	-1.36M	0.53M	0.52M	0.21M	0.13M	0.13M	0.19M	0.68M	2.26M	0.17M
Depreciation & Amortization - Total (Quarter)	0.14M	0.12M	0.11M	0.13M	0.17M	0.12M	0.15M	0.15M	0.16M	0.26M	0.25M	0.24M	0.29M	0.26M	0.25M	0.27M	0.32M	0.27M	0.35M	0.29M
Wages, Salaries and Other (Quarter)	6.48M	6.57M	-17.79M	0.34M	7.12M	6.93M	6.87M	0.38M	7.92M	10.01M	0.69M	0.70M	0.70M	0.62M	37.33M	10.29M	9.98M	9.92M	-27.85M	10.28M
Rent Expense (Quarter)	0.71M	0.73M	0.74M	0.79M	0.75M	0.78M	0.81M	0.83M	0.81M	1.22M	1.25M	1.32M	1.27M	1.22M	1.21M	1.36M	1.18M	1.32M	1.44M	1.41M
Restructuring Costs (Quarter)							0.29M	0.24M	8.40M	0.62M
Other Operating Expenses (Quarter)	9.47M	9.55M	10.03M	9.31M	8.59M	9.07M	-22.65M					1.10M								14.90M
Operating Expenses (Quarter)	10.32M	10.40M	10.88M	10.23M	11.20M	11.61M	11.65M	11.78M	20.68M	16.44M	15.86M	16.64M	16.25M	16.03M	16.47M	16.38M	16.15M	16.13M	16.02M	16.60M
EBIT (Quarter)	9.96M	10.39M	10.13M	9.77M	10.06M	12.14M	14.76M	15.50M	3.56M	23.43M	25.94M	25.48M	22.99M	26.61M	26.66M	25.44M	25.52M	27.47M	28.03M	26.87M
Non-operating items
Non Operating Income (Quarter)	0.08M	0.08M	0.08M	0.04M	0.01M	0.02M	0.02M	0.01M	0.01M	0.01M	0.02M	0.00M	0.01M	0.01M	0.01M
Net income details
EBT (Quarter)	8.10M	8.64M	8.50M	8.21M	8.38M	9.20M	9.70M	8.48M	-5.33M	9.15M	9.28M	8.50M	6.39M	9.25M	9.74M	9.43M	10.42M	12.36M	13.09M	12.70M
Tax Provisions (Quarter)	1.45M	1.58M	1.55M	1.47M	1.48M	1.66M	1.86M	1.61M	-1.19M	1.60M	1.74M	1.48M	1.11M	1.71M	-0.01M	1.80M	1.95M	2.35M	1.81M	2.33M
Profit After Tax (Quarter)	6.65M	7.06M	6.94M	6.74M	6.90M	7.54M	7.88M	6.87M	0.59M	7.55M	6.49M	7.02M	5.28M	7.54M	7.98M	7.62M	8.46M	10.01M	10.48M	10.38M
Equity Income (Quarter)	0.03M	0.07M	0.05M	-0.04M	-0.13M	-0.02M	0.20M	-0.22M		0.07M	0.09M	-0.00M	-0.09M	0.16M	0.02M	-0.01M	0.03M		-0.06M	0.02M
Income from Continuing Operations (Quarter)	6.65M	7.06M	6.94M	6.74M	6.90M	7.54M	7.84M	6.87M	-4.14M	7.55M	7.54M	7.02M	5.28M	7.54M	9.75M	7.62M	8.46M	10.01M	11.28M	10.38M
Consolidated Net Income (Quarter)	6.65M	7.06M	6.94M	6.74M	6.90M	7.54M	7.84M	6.87M	-4.14M	7.55M	7.54M	7.02M	5.28M	7.54M	9.75M	7.62M	8.46M	10.01M	11.28M	10.38M
Income towards Parent Company (Quarter)	6.65M	7.06M	6.94M	6.74M	6.90M	7.54M	7.84M	6.87M	-4.14M	7.55M	7.54M	7.02M	5.28M	7.54M	9.75M	7.62M	8.46M	10.01M	11.28M	10.38M
Net Income towards Common Stockholders (Quarter)	6.65M	7.06M	6.94M	6.74M	6.90M	7.54M	7.84M	6.87M	-4.14M	7.55M	7.54M	7.02M	5.28M	7.54M	9.75M	7.62M	8.46M	10.01M	11.28M	10.38M
Additional items
EPS (Basic) (Quarter)	1.67	1.77	1.76	1.69	1.72	1.88	1.89	1.71	-1.00	1.59	1.60	1.48	1.10	1.57	1.66	1.59	1.76	2.09	2.18	2.16
EPS (Weighted Average and Diluted) (Quarter)	1.67	1.77	1.76	1.69	1.72	1.88	1.89	1.71	-1.00	1.59	1.60	1.48	1.10	1.57	1.66	1.59	1.76	2.09	2.18	2.16
Shares Outstanding (Weighted Average) (Quarter)	3.98M	3.98M	4.02M	3.98M	4.01M	4.01M	4.06M	4.01M	4.16M	4.32M	4.48M	4.75M	4.80M	4.80M	4.80M	4.80M	4.80M	4.80M	4.80M	4.80M
EBITDA (Quarter)	10.10M	10.52M	10.25M	9.89M	10.23M	12.26M	14.90M	15.65M	3.72M	23.69M	26.20M	25.71M	23.29M	26.88M	26.91M	25.70M	25.84M	27.75M	28.38M	27.15M
Tax Rate (Quarter)	17.92%	18.26%	18.29%	17.92%	17.68%	17.99%	19.19%	18.98%	22.28%	17.48%	18.79%	17.37%	17.42%	18.53%	-0.10%	19.15%	18.75%	19.05%	13.80%	18.31%

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Citizens Financial Services Income Statement (2010-2026) | CZFS

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Citizens Financial Services Income Statement (2010-2026) | CZFS

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