XML 24 R57.htm IDEA: XBRL DOCUMENT v2.4.1.9
BORROWED FUNDS (Details) (USD $)
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Debt Instrument [Line Items]    
Borrowed funds $ 41,799,000us-gaap_DebtAndCapitalLeaseObligations $ 66,932,000us-gaap_DebtAndCapitalLeaseObligations
Highest balance at any month-end 72,879,000us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount 89,377,000us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
Average balance 39,208,000us-gaap_ShorttermDebtAverageOutstandingAmount 42,214,000us-gaap_ShorttermDebtAverageOutstandingAmount
Weighted average interest rate paid during the year (in hundredths) 1.55%us-gaap_ShortTermDebtWeightedAverageInterestRate 2.86%us-gaap_ShortTermDebtWeightedAverageInterestRate
Weighted average interest rate as of year end (in hundredths) 1.50%us-gaap_DebtInstrumentInterestRateEffectivePercentage 0.96%us-gaap_DebtInstrumentInterestRateEffectivePercentage
Investment securities pledged as collateral 186,388,000us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral 194,659,000us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral
Maturities of borrowed funds [Abstract]    
2015 29,465,000us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths  
2016 534,000us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo  
2017 2,000,000us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree  
2018 1,000,000us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour  
2019 2,000,000us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive  
Thereafter 6,800,000us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive  
Total borrowed funds 41,799,000us-gaap_DebtAndCapitalLeaseObligations 66,932,000us-gaap_DebtAndCapitalLeaseObligations
Securities Sold Under Agreements to Repurchase [Member]    
Debt Instrument [Line Items]    
Borrowed funds 5,906,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1] 7,278,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1]
Highest balance at any month-end 7,277,000us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1] 8,923,000us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1]
Average balance 6,535,000us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1] 7,821,000us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1]
Weighted average interest rate paid during the year (in hundredths) 0.91%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1] 0.88%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1]
Weighted average interest rate as of year end (in hundredths) 0.99%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1] 0.87%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1]
Maturity term, Maximum 5 years  
Securities sold under agreements to repurchase due in less than one year 4,677,000czfs_SecuritiesSoldUnderAgreementsToRepurchaseDueInLessThanOneYear
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
6,069,000czfs_SecuritiesSoldUnderAgreementsToRepurchaseDueInLessThanOneYear
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
Securities sold under agreements to repurchase due in greater than one year 1,229,000czfs_SecuritiesSoldUnderAgreementsToRepurchaseDueInGreaterThanOneYear
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
1,209,000czfs_SecuritiesSoldUnderAgreementsToRepurchaseDueInGreaterThanOneYear
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
Carrying value of the underlying securities pledged and sold under agreements to repurchase 15,838,000czfs_SecuritiesSoldUnderAgreementsToRepurchaseCarryingValueOfUnderlyingSecuritiesPledged
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
12,416,000czfs_SecuritiesSoldUnderAgreementsToRepurchaseCarryingValueOfUnderlyingSecuritiesPledged
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
Maturities of borrowed funds [Abstract]    
Total borrowed funds 5,906,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1] 7,278,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember
[1]
FHLB Advances [Member]    
Debt Instrument [Line Items]    
Borrowed funds 16,593,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2] 42,954,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2]
Federal Home Loan Bank, advances, highest balance at any month-end 39,902,000us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2] 42,954,000us-gaap_FederalHomeLoanBankAdvancesActivityForYearMaximumOutstandingAtAnyMonthEnd
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2]
Federal Home Loan Bank, advances, average balance 9,991,000us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2] 4,871,000us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageBalanceOfAgreementsOutstanding
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2]
Federal Home Loan Bank, advances, weighted average interest rate paid during the year (in hundredths) 0.27%us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2] 0.25%us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateForYear
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2]
Federal Home Loan Bank, advances, weighted average interest rate as of year-end (in hundredths) 0.24%us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2] 0.25%us-gaap_FederalHomeLoanBankAdvancesActivityForYearAverageInterestRateAtPeriodEnd
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2]
Maximum borrowing limit 262,598,000us-gaap_DebtInstrumentUnusedBorrowingCapacityAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
 
Carrying value of securities pledged as collateral   4,514,000us-gaap_FederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResellPledgedAsCollateral
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
Investment securities pledged as collateral 372,000us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
 
Maturities of borrowed funds [Abstract]    
Total borrowed funds 16,593,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2] 42,954,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalHomeLoanBankAdvancesMember
[2]
Federal Funds Line [Member]    
Debt Instrument [Line Items]    
Borrowed funds 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3] 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3]
Highest balance at any month-end 0us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3] 0us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3]
Average balance 1,000us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3] 0us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3]
Weighted average interest rate paid during the year (in hundredths) 0.76%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3] 0.73%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3]
Weighted average interest rate as of year end (in hundredths) 0.00%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3] 0.00%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3]
Maximum borrowing limit 10,000,000us-gaap_DebtInstrumentUnusedBorrowingCapacityAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
 
Maturities of borrowed funds [Abstract]    
Total borrowed funds 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3] 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalFundsPurchasedMember
[3]
FRB BIC Line [Member]    
Debt Instrument [Line Items]    
Borrowed funds 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4] 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4]
Highest balance at any month-end 0us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4] 0us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4]
Average balance 1,000us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4] 0us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4]
Weighted average interest rate paid during the year (in hundredths) 0.75%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4] 0.75%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4]
Weighted average interest rate as of year end (in hundredths) 0.00%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4] 0.00%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4]
Maximum borrowing limit 9,074,000us-gaap_DebtInstrumentUnusedBorrowingCapacityAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
 
Carrying value of securities pledged as collateral   16,600,000us-gaap_FederalFundsSoldAndSecuritiesPurchasedUnderAgreementsToResellPledgedAsCollateral
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
Investment securities pledged as collateral 17,071,000us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
 
Maturities of borrowed funds [Abstract]    
Total borrowed funds 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4] 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_FederalReserveBankAdvancesMember
[4]
Notes Payable [Member]    
Debt Instrument [Line Items]    
Borrowed funds 7,500,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6] 7,500,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6]
Highest balance at any month-end 7,500,000us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6] 7,500,000us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6]
Average balance 7,500,000us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6] 7,500,000us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6]
Weighted average interest rate paid during the year (in hundredths) 3.09%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6] 5.82%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6]
Weighted average interest rate as of year end (in hundredths) 3.04%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6] 3.04%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6]
Face amount of debt 7,500,000us-gaap_DebtInstrumentFaceAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
 
Variable rate basis 3 month LIBOR  
Basis spread on variable rate (in hundredths) 2.80%us-gaap_DebtInstrumentBasisSpreadOnVariableRate1
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
 
Unamortized debt issuance costs 75,000us-gaap_UnamortizedDebtIssuanceExpense
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
 
Notional amount of derivative liability 7,500,000us-gaap_DerivativeLiabilityNotionalAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
 
Maturities of borrowed funds [Abstract]    
Total borrowed funds 7,500,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6] 7,500,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_NotesPayableOtherPayablesMember
[5],[6]
Term Loans [Member]    
Debt Instrument [Line Items]    
Borrowed funds 11,800,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7] 9,200,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7]
Highest balance at any month-end 18,200,000us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7] 30,000,000us-gaap_ShorttermDebtMaximumMonthendOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7]
Average balance 15,180,000us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7] 22,022,000us-gaap_ShorttermDebtAverageOutstandingAmount
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7]
Weighted average interest rate paid during the year (in hundredths) 1.89%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7] 3.13%us-gaap_ShortTermDebtWeightedAverageInterestRate
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7]
Weighted average interest rate as of year end (in hundredths) 2.54%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7] 2.78%us-gaap_DebtInstrumentInterestRateEffectivePercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7]
Maturities of borrowed funds [Abstract]    
Total borrowed funds 11,800,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7] 9,200,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
[7]
Term Loans [Member] | January 27, 2014 [Member]    
Debt Instrument [Line Items]    
Borrowed funds 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_January272014Member
1,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_January272014Member
Stated interest rate (in hundredths) 2.31%us-gaap_DebtInstrumentInterestRateStatedPercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_January272014Member
 
Maturity date Jan. 27, 2014  
Maturities of borrowed funds [Abstract]    
Total borrowed funds 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_January272014Member
1,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_January272014Member
Term Loans [Member] | April 17, 2014 [Member]    
Debt Instrument [Line Items]    
Borrowed funds 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_April172014Member
3,200,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_April172014Member
Stated interest rate (in hundredths) 2.80%us-gaap_DebtInstrumentInterestRateStatedPercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_April172014Member
 
Maturity date Apr. 17, 2014  
Maturities of borrowed funds [Abstract]    
Total borrowed funds 0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_April172014Member
3,200,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_April172014Member
Term Loans [Member] | October 2, 2017 [Member]    
Debt Instrument [Line Items]    
Borrowed funds 2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_October22017Member
2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_October22017Member
Stated interest rate (in hundredths) 2.29%us-gaap_DebtInstrumentInterestRateStatedPercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_October22017Member
 
Maturity date Oct. 02, 2017  
Maturities of borrowed funds [Abstract]    
Total borrowed funds 2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_October22017Member
2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_October22017Member
Term Loans [Member] | July 12, 2018 [Member]    
Debt Instrument [Line Items]    
Borrowed funds 1,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_July122018Member
1,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_July122018Member
Stated interest rate (in hundredths) 2.72%us-gaap_DebtInstrumentInterestRateStatedPercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_July122018Member
 
Maturity date Jul. 12, 2018  
Maturities of borrowed funds [Abstract]    
Total borrowed funds 1,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_July122018Member
1,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_July122018Member
Term Loans [Member] | February 4, 2019 [Member]    
Debt Instrument [Line Items]    
Borrowed funds 2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_February42019Member
0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_February42019Member
Stated interest rate (in hundredths) 1.87%us-gaap_DebtInstrumentInterestRateStatedPercentage
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_February42019Member
 
Maturity date Feb. 04, 2019  
Maturities of borrowed funds [Abstract]    
Total borrowed funds 2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_February42019Member
0us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
= czfs_February42019Member
Term Loans [Member] | February 3, 2021 [Member]    
Debt Instrument [Line Items]    
Borrowed funds 2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
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0us-gaap_DebtAndCapitalLeaseObligations
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Stated interest rate (in hundredths) 2.61%us-gaap_DebtInstrumentInterestRateStatedPercentage
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/ czfs_MaturityDateAxis
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Maturity date Feb. 03, 2021  
Maturities of borrowed funds [Abstract]    
Total borrowed funds 2,000,000us-gaap_DebtAndCapitalLeaseObligations
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0us-gaap_DebtAndCapitalLeaseObligations
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Term Loans [Member] | July 12, 2021 [Member]    
Debt Instrument [Line Items]    
Borrowed funds 2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
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2,000,000us-gaap_DebtAndCapitalLeaseObligations
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Stated interest rate (in hundredths) 3.52%us-gaap_DebtInstrumentInterestRateStatedPercentage
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= us-gaap_MediumTermNotesMember
/ czfs_MaturityDateAxis
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Maturity date Jul. 12, 2021  
Maturities of borrowed funds [Abstract]    
Total borrowed funds 2,000,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
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2,000,000us-gaap_DebtAndCapitalLeaseObligations
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Term Loans [Member] | August 20, 2021 [Member]    
Debt Instrument [Line Items]    
Borrowed funds 2,800,000us-gaap_DebtAndCapitalLeaseObligations
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0us-gaap_DebtAndCapitalLeaseObligations
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Stated interest rate (in hundredths) 2.37%us-gaap_DebtInstrumentInterestRateStatedPercentage
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/ czfs_MaturityDateAxis
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Maturity date Aug. 20, 2021  
Maturities of borrowed funds [Abstract]    
Total borrowed funds $ 2,800,000us-gaap_DebtAndCapitalLeaseObligations
/ us-gaap_LongtermDebtTypeAxis
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$ 0us-gaap_DebtAndCapitalLeaseObligations
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[1] Securities sold under agreements to repurchase mature within 5 years. As of December 31, 2013 and 2012, repurchase agreements with original maturities of less than one year totaled $6,069,000 and $7,436,000, respectively. As of December 31, 2013 and 2012, repurchase agreements with original maturities greater than one year totaled $1,209,000 and $1,190,000, respectively. The carrying value of the underlying securities pledged at December 31, 2013 and 2012 was $12,416,000 and $13,177,000, respectively.
[2] FHLB Advances consist of an "Open RepoPlus" agreement with the Federal Home Loan Bank of Pittsburgh. FHLB "Open RepoPlus" advances are short-term borrowings that bear interest based on the Federal Home Loan Bank discount rate or Federal Funds rate, whichever is higher. The Company has a borrowing limit of $250,777,000, inclusive of any outstanding advances. FHLB advances are secured by a blanket security agreement that includes the Company's FHLB stock, as well as certain investment and mortgage-backed securities held in safekeeping at the FHLB and certain residential and commercial mortgage loans. At December 31, 2013 and 2012, the approximate carrying value of the securities collateral was $4,514,000 and $8,092,000, respectively.
[3] The federal funds line consists of an unsecured line from a third party bank at market rates. The Company has a borrowing limit of $10,000,000, inclusive of any outstanding balances. No specific collateral is required to be pledged for these borrowings.
[4] The Federal Reserve Bank Borrower in Custody (FRB BIC) Line consists of a borrower in custody in agreement open in January 2010 with the Federal Reserve Bank of Philadelphia secured by municipal loans maintained in the Company's possession. As of December 31, 2013, the Company has a borrowing limit of $13,602,000, inclusive of any outstanding advances. The approximate carrying value of the municipal loan collateral was $16,600,000 and $16,814,000 as of December 31, 2013 and 2012, respectively.
[5] In December, 2008, the Company entered into an interest rate swap agreement to convert floating-rate debt to fixed rate debt on a notional amount of $7,500,000. The interest rate swap instrument involves an agreement to receive a floating rate and pay a fixed rate, at specified intervals, calculated on the agreed-upon notional amount. The differentials paid or received on interest rate swap agreements are recognized as adjustments to interest expense in the period. The interest rate swap agreement was entered into on December 17, 2008 and matured December 17, 2013. The fair value of the interest rate swap at December 31, 2012 was a liability of $200,000, and was included within other liabilities on the consolidated balance sheets.
[6] In December 2003, the Company formed a special purpose entity ("Entity") to issue $7,500,000 of floating rate obligated mandatory redeemable securities as part of a pooled offering. The rate was determined quarterly and floated based on the 3 month LIBOR plus 2.80. The Entity may redeem them, in whole or in part, at face value after December 17, 2008, and on a quarterly basis thereafter. The Company borrowed the proceeds of the issuance from the Entity in December 2003 in the form of a $7,500,000 note payable. Debt issue costs of $75,000 have been capitalized and fully amortized as of December 31, 2008. Under current accounting rules, the Company's minority interest in the Entity was recorded at the initial investment amount and is included in the other assets section of the balance sheet. The Entity is not consolidated as part of the Company's consolidated financial statements.
[7] Term Loans consist of separate loans with the Federal Home Loan Bank of Pittsburgh as follows (in thousands): December 31, December 31, Interest Rate Maturity 2014 2013 Fixed: 2.31% January 27,2014 - 1,000 2.80% April 17, 2014 - 3,200 2.29% October 2, 2017 2,000 2,000 2.72% July 12, 2018 1,000 1,000 1.87% February 4, 2019 2,000 - 2.61% February 3, 2021 2,000 - 3.52% July 12, 2021 2,000 2,000 2.37% August 20, 2021 2,800 - Total term loans $ 11,800 $ 9,200