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Consolidated Statements of Income (USD $)
In Thousands, except Per Share data, unless otherwise specified
3 Months Ended
Mar. 31, 2015
Mar. 31, 2014
Interest and dividend income    
Loans $ 3,949us-gaap_InterestAndFeeIncomeLoansAndLeases $ 3,844us-gaap_InterestAndFeeIncomeLoansAndLeases
Taxable securities 152us-gaap_InterestIncomeSecuritiesTaxable 141us-gaap_InterestIncomeSecuritiesTaxable
Non-taxable securities 176us-gaap_InterestIncomeSecuritiesTaxExempt 164us-gaap_InterestIncomeSecuritiesTaxExempt
Federal funds sold and other 29us-gaap_InterestIncomeFederalFundsSold 32us-gaap_InterestIncomeFederalFundsSold
Total interest and dividend income 4,306us-gaap_InterestAndDividendIncomeOperating 4,181us-gaap_InterestAndDividendIncomeOperating
Interest expense    
Deposits 549us-gaap_InterestExpenseDeposits 543us-gaap_InterestExpenseDeposits
FHLB advances and other 71us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm 117us-gaap_InterestExpenseFederalHomeLoanBankAndFederalReserveBankAdvancesLongTerm
Subordinated debentures 24us-gaap_InterestExpenseSubordinatedNotesAndDebentures 23us-gaap_InterestExpenseSubordinatedNotesAndDebentures
Total interest expense 644us-gaap_InterestExpense 683us-gaap_InterestExpense
Net interest income 3,662us-gaap_InterestIncomeExpenseNet 3,498us-gaap_InterestIncomeExpenseNet
Provision for loan losses 80us-gaap_ProvisionForLoanLossesExpensed 125us-gaap_ProvisionForLoanLossesExpensed
Net interest income after provision for loan losses 3,582us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 3,373us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
Non-interest income    
Service charges on deposit accounts 317us-gaap_FeesAndCommissionsDepositorAccounts 261us-gaap_FeesAndCommissionsDepositorAccounts
Other service charges and fees 135us-gaap_FeesAndCommissionsOther 153us-gaap_FeesAndCommissionsOther
Gain on sale of mortgage loans 31us-gaap_GainLossOnSaleOfMortgageLoans 24us-gaap_GainLossOnSaleOfMortgageLoans
Non-deposit brokerage fees 92us-gaap_BrokerageCommissionsRevenue 69us-gaap_BrokerageCommissionsRevenue
Lease income 73us-gaap_OperatingLeasesIncomeStatementLeaseRevenue 75us-gaap_OperatingLeasesIncomeStatementLeaseRevenue
BOLI income 45us-gaap_BankOwnedLifeInsuranceIncome 47us-gaap_BankOwnedLifeInsuranceIncome
Total non-interest income 693us-gaap_NoninterestIncome 629us-gaap_NoninterestIncome
Non-interest expenses    
Salaries and employee benefits 1,648us-gaap_LaborAndRelatedExpense 1,527us-gaap_LaborAndRelatedExpense
Net occupancy expense 528us-gaap_OccupancyNet 482us-gaap_OccupancyNet
Advertising and public relations 52us-gaap_MarketingAndAdvertisingExpense 83us-gaap_MarketingAndAdvertisingExpense
Professional fees 164us-gaap_ProfessionalFees 153us-gaap_ProfessionalFees
Data processing services 239us-gaap_InformationTechnologyAndDataProcessing 233us-gaap_InformationTechnologyAndDataProcessing
Franchise shares and deposit tax 146czfc_FranchiseSharesAndDepositTax 146czfc_FranchiseSharesAndDepositTax
FDIC insurance 59us-gaap_FederalDepositInsuranceCorporationPremiumExpense 77us-gaap_FederalDepositInsuranceCorporationPremiumExpense
Core deposit intangible amortization 18us-gaap_AmortizationOfIntangibleAssets 84us-gaap_AmortizationOfIntangibleAssets
Postage and office supplies 40us-gaap_SuppliesAndPostageExpense 51us-gaap_SuppliesAndPostageExpense
Other 309us-gaap_OtherNoninterestExpense 226us-gaap_OtherNoninterestExpense
Total non-interest expenses 3,203us-gaap_NoninterestExpense 3,062us-gaap_NoninterestExpense
Income before income taxes 1,072us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments 940us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments
Income taxes 290us-gaap_IncomeTaxExpenseBenefit 249us-gaap_IncomeTaxExpenseBenefit
Net income 782us-gaap_NetIncomeLoss 691us-gaap_NetIncomeLoss
Dividends on preferred stock 128us-gaap_PreferredStockDividendsAndOtherAdjustments 132us-gaap_PreferredStockDividendsAndOtherAdjustments
Net income available for common stockholders $ 654us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic $ 559us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic
Basic earnings per common share (in dollars per share) $ 0.33us-gaap_EarningsPerShareBasic $ 0.28us-gaap_EarningsPerShareBasic
Diluted earnings per common share (in dollars per share) $ 0.29us-gaap_EarningsPerShareDiluted $ 0.27us-gaap_EarningsPerShareDiluted