Citizens Financial Services 10K 2005 Annual report | CZFS Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigious
Readability	8th grade Avg

New words: absorb, accuracy, adapt, added, adequacy, aggregate, amount, anticipate, apply, arrange, assessed, assessment, asset, assigned, assignment, attempt, attest, auditor, automation, average, bad, beginning, BIF, broader, BSA, burden, calculating, case, category, certainty, classified, cleaning, combined, commonly, comply, comprehensive, concentrated, concentration, confirmation, consist, consisting, consummation, contamination, costly, counsel, coverage, CRA, criminal, criteria, critically, damage, debt, decide, declaration, declare, declared, decrease, deemed, default, degree, depository, deteriorating, Deterioration, Determination, determined, determining, difficulty, discourage, discovered, disposal, distributed, earn, earned, easily, enforcement, entrench, equal, event, exceed, exceeding, expansion, expedited, experiencing, Expire, exploit, expose, exposure, extent, face, facility, factoring, failed, failure, fall, field, foreclose, foreclosure, forfeiture, formal, Fulton, global, GRAPH, great, half, Hannibal, hazard, heavily, high, higher, highest, highly, hybrid, identical, immaterial, improving, increasingly, incur, indexing, inherently, initial, injury, intangible, involved, involvement, judgment, July, key, knew, larger, laundering, leasehold, leasing, left, lending, lesser, leverage, liability, liable, low, lower, managerial, maximize, measuring, million, minimum, moderate, modernization, Nasdaq, Nominee, nonbank, nonperforming, nontraditional, Note, Oversight, partial, PATRIOT, pension, personal, personnel, portfolio, portion, posed, posted, posting, potential, preferred, premium, preserve, previously, price, pricing, primarily, privacy, private, problem, profession, Prompt, promptly, proper, protect, publicly, qualified, quality, quickly, RATIFICATION, ratio, ready, receipt, receive, received, reclassification, reclassify, recruit, reduce, reduction, reform, region, regional, regular, Reinvestment, relationship, relevant, relocated, rely, remediation, removing, rendered, replacement, repurchase, request, research, resolution, RESOURCE, restatement, retain, retained, rural, SAIF, sale, satisfy, schedule, Secrecy, seeking, SELECTED, sell, semiannual, senior, sensitive, September, serve, served, set, single, site, size, slightly, solicitation, source, SOX, stand, standby, statistical, statutory, strain, streamlined, strength, stringent, strong, subgroup, SUBMISSION, subordinated, succeeding, successfully, sufficient, SUPPLEMENTARY, Table, takeover, team, telebanking, temporary, Term, terrorist, thereon, thereunder, thereunto, thrift, title, toxic, traced, traditionally, train, transaction, transferred, trend, ultimate, uncover, undercapitalized, undergo, underwriting, unemployment, unexpected, unknown, UNRESOLVED, unsatisfactory, USA, utilize, vulnerable, waiver, website, Wellsville, written

Removed: activity, Assistant, authority, aware, borrower, contemplated, distinct, enhance, examine, exist, extend, Furnishing, intend, liquidity, litigation, managing, parent, perform, permit, position, proposed, regularly, revised, separate, supplement, susceptible, terminating, threatened, Treasurer, undistributed, United, wholly, Wilber

Citizens Financial Services (CZFS) 10-K2005 FY Annual report

Content analysis