Citizens Financial Services (CZFS) Cash Flow Statement

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Net income	9.47M
Provision for loan losses	770K
Depreciation and amortization	265K
Amortization and accretion of investment securities	1.75M
Deferred income taxes	141K
Investment securities gains, net	-155K
Earnings on bank owned life insurance	-515K
Stock award compensation
Originations of loans held for sale	-15.7M
Proceeds from sales of loans held for sale	15.95M
Increase in accrued interest receivable	223K
Decrease in accrued interest payable	-98K
Other, net	-1.14M
Net cash provided by operating activities
Proceeds from sales of available-for-sale securities	12.08M
Proceeds from maturity and principal repayments of securities	43.76M
Purchase of securities	-44.57M
Proceeds from redemption of regulatory Stock
Net increase in loans	-55.85M
Purchase of premises and equipment
Purchase of land for potential future expansion
Proceeds from sale of foreclosed assets held for sale	900K
Net cash used in investing activities
Net increase in deposits	20.72M
Proceeds from long-term borrowings	541K
Repayments of long-term borrowings	-534K
Net increase in short-term borrowed funds	10.22M
Purchase of treasury and restricted stock	-1.71M
Dividends paid	-3.9M
Net cash provided by financing activities
Net increase in cash and cash equivalents	-8.01M
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD	24.38M
CASH AND CASH EQUIVALENTS AT END OF PERIOD	16.37M
Interest paid	3.85M
Income taxes paid	1.7M
Loans transferred to foreclosed property
Premises and equipment transferred to other assets
Investments purchased and not settled included in other liabilities

Entities mentioned with CZFS

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