XML 31 R67.htm IDEA: XBRL DOCUMENT v2.4.1.9
FAIR VALUE OF FINANCIAL INSTRUMENTS, QUANTITATIVE INFORMATION (Details) (USD $)
In Thousands, unless otherwise specified
12 Months Ended
Dec. 31, 2014
Dec. 31, 2013
Impaired Loans [Member] | Discounted Cash Flows [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value $ 230us-gaap_AssetsFairValueDisclosure
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/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
$ 263us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
Valuation Technique(s) Discounted Cash Flows Discounted Cash Flows
Probability of Default (in hundredths) 0.00%us-gaap_FairValueInputsProbabilityOfDefault
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
0.00%us-gaap_FairValueInputsProbabilityOfDefault
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
Impaired Loans [Member] | Discounted Cash Flows [Member] | Minimum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Change in interest rates (in hundredths) 0.00%czfs_FairValueInputsChangeInInterestRates
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
0.00%czfs_FairValueInputsChangeInInterestRates
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= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
Impaired Loans [Member] | Discounted Cash Flows [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Change in interest rates (in hundredths) 5.50%czfs_FairValueInputsChangeInInterestRates
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
7.00%czfs_FairValueInputsChangeInInterestRates
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
Impaired Loans [Member] | Discounted Cash Flows [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Probability of Default (in hundredths) 0.00%us-gaap_FairValueInputsProbabilityOfDefault
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
0.00%us-gaap_FairValueInputsProbabilityOfDefault
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
Change in interest rates (in hundredths) 1.99%czfs_FairValueInputsChangeInInterestRates
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
1.96%czfs_FairValueInputsChangeInInterestRates
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_DiscountedCashFlowsMember
Impaired Loans [Member] | Appraised Collateral Values [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value 8,494us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
9,804us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
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/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Valuation Technique(s) Appraised Collateral Values Appraised Collateral Values
Impaired Loans [Member] | Appraised Collateral Values [Member] | Minimum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 0.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
0.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Selling costs (in hundredths) 4.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
4.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Holding period 0 months 0 months
Impaired Loans [Member] | Appraised Collateral Values [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 30.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
30.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Selling costs (in hundredths) 10.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
10.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Holding period 18 months 18 months
Impaired Loans [Member] | Appraised Collateral Values [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 22.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
19.02%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Selling costs (in hundredths) 8.55%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
8.41%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_ImpairedLoansMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Holding period 15 months 14 months
Other Real Estate Owned [Member] | Appraised Collateral Values [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Fair Value $ 1,792us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
$ 1,360us-gaap_AssetsFairValueDisclosure
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Valuation Technique(s) Appraised Collateral Values Appraised Collateral Values
Other Real Estate Owned [Member] | Appraised Collateral Values [Member] | Minimum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 0.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
0.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Selling costs (in hundredths) 4.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
4.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_MinimumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Holding period 0 months 0 months
Other Real Estate Owned [Member] | Appraised Collateral Values [Member] | Maximum [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 20.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
20.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Selling costs (in hundredths) 10.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
10.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_MaximumMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Holding period 18 months 18 months
Other Real Estate Owned [Member] | Appraised Collateral Values [Member] | Weighted Average [Member]    
Fair Value Inputs, Assets, Quantitative Information [Line Items]    
Discount for time since appraisal 20.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
20.00%us-gaap_FairValueInputsComparabilityAdjustments
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Selling costs (in hundredths) 9.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
9.00%czfs_FairValueInputsSellingCosts
/ us-gaap_FairValueByAssetClassAxis
= czfs_OtherRealEstateOwnedMember
/ us-gaap_RangeAxis
= us-gaap_WeightedAverageMember
/ us-gaap_ValuationTechniqueAxis
= czfs_AppraisedCollateralValuesMember
Holding period 12 months 12 months