CITIZENS FINANCIAL CORP. Financial Reports

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:· CITIZENS FINANCIAL CORP.

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::	Bank Mergers & Acquisitions
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::	Holding Company Filing Updates

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SEC Submissions
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::	SCorp Banks
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Bank Map


General Interest
::	COVID-19 PPP National Summary
::	New Formations
::	De Novo Banks
::	Holding Company Filing Updates
::	Bank Filing Updates
::	Institution Failures
::	America's Oldest Banks
::	National Summary of Deposits
::	External Auditors

Mergers & Acquisitions
::	Holding Company Mergers & Acquisitions
::	Bank Mergers & Acquisitions
::	Credit Union Mergers & Acquisitions

Off Balance Sheet
::	Holding Company Credit Default Swaps
::	Bank Credit Default Swaps
::	Derivatives
::	Credit Union Derivatives

CITIZENS FINANCIAL CORP.

Institution Profile

Year Opened :

1987

Institution Type :

Holding Company

Reserve District :

Richmond

Federal Regulator :

FED

Entity Type :

Bank Holding Company

Fiscal Year End :

12/31

Structure :

Corporation (stock)

S-Corp :

Related Bank / Thrift	Assets	Asset Concentration
Citizens Bank of West Virginia, Inc.	775,093	Consumer Lending Specialization

Financial Fast Facts
Balance Sheet (USD, in thousands)		Income Statement (USD, in thousands, ytd)

Total Assets	79,045	Total Operating Income	1,069
Total Liabilities	11,200	Total Operating Expenses	393
Total Equity Capital	67,845	Equity in Undistributed Income	6,249
		Net income (loss)	7,024

Miscellaneous
Cash Dividends Declared by Bank Holding Company	971
Total Consolidated Assets of Bank Holding Company	772,465

Source of Data: FDIC, FRB, NCUA, OCC, SEC, U.S. Department of the Treasury