Citizens Financial Services 10K 2007 Annual report | CZFS Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigious
Readability	8th grade Avg

New words: accelerated, accessible, accompanying, accomplishing, accretion, accrual, accrued, accumulated, acquiree, actuary, adhering, administration, aforementioned, age, ago, agricultural, allocated, allocating, allocation, alternative, amortization, amortized, analyze, analyzed, annuity, appraised, approach, ARB, Arriving, ascertain, assertion, assume, assumed, assuming, ATM, attained, attainment, attracting, attributable, attribute, attributed, awarded, backed, balance, basisand, bear, bearing, began, begun, beneficiary, bid, binding, blanket, bond, bought, breakdown, broker, brokered, call, capacity, card, carefully, carried, carrying, categorized, cautiously, CDs, cease, center, choice, choose, classification, collect, collectibility, collectible, collection, collectively, commensurate, commitment, committed, commodity, Companyin, comparative, compared, comparison, complex, comprised, compromising, CONDENSED, conform, conforming, conformity, conjunction, consideration, consistsof, contingent, contract, contractual, convenience, core, COSO, counter, cumulative, curve, curvethat, custody, de, dealer, death, debit, decade, decline, deconsolidation, deducted, deductible, deduction, deficiency, delay, delinquency, deliver, Department, depositor, depreciated, depreciation, derecognized, derived, description, detail, detailed, detect, detected, developed, developing, development, didnot, dilutive, disciplined, discontinued, discretionary, disposition, disruption, diversification, divided, document, dollar, doubt, doubtful, drawn, driver, duringthe, Earlier, efficiency, efficiently, effort, eighteen, EITF, eliminated, Emerging, employee, enable, endorsement, enlarged, entered, enterprise, entitle, environment, essential, essentially, eventually, evidence, evidenced, exemplary, exempt, expedient, expense, expensed, expensive, expertise, external, fact, fair, fairly, faith, Fannie, FAS, FASB, faster, favorable, FDICIA, FDICmay, fee, FHLB, fiduciary, fifty, FIN, flat, flattened, flexibility, floating, flow, focused, Force, formula, framework, fraudulent, Freddie, frequency, fully, furniture, gain, gap, gave, goal, good, goodwill, greatly, grew, grow, growing, guarantee, guaranteed, guidance, hand, headquartered, health, hedge, hire, hired, home, honor, housing, impaired, impairment, implied, inability, inaccurate, inadequate, incentive, inclusive, inclusiveof, incremental, indebted, insignificant, installment, instrument, integral, intent, interim, interpretation, inverted, Investmentsconsist, investor, IRA, irregularly, IRS, lack, largest, lender, length, LeRaysville, lessestimated, LIBOR, lieu, likelihood, line, Lockhart, longer, lot, lump, Mac, Macand, Mae, magnitude, maintenance, maker, mandatory, manner, margin, marginal, matter, mature, maturing, maturity, maximum, mention, menu, merit, met, method, methodology, Millerton, misstatement, mitigate, mix, model, modified, monitor, month, monthly, motivating, move, moving, MSR, multiple, municipal, newly, nonaccrual, noncontributory, noncontrolling, nonrefundable, nonvested, Northcentral, novo, objective, obligated, obligation, OCC, occupancy, officially, ongoing, onthe, opinion, opportunity, optimistic, option, overlap, owed, PA, parallel, paramount, parking, partnership, party, passed, payable, percent, percentage, persisted, perspective, Pink, Pittsburgh, Plansand, point, political, pooled, portfolioand, portfoliooutlined, postretirement, precise, precision, premier, preparation, prepared, preparing, prepay, prepayment, pressure, prevailed, prevailing, prime, professional, project, projected, prolonged, promote, promulgated, proportion, proportionally, prospective, prove, prudent, published, purpose, quoted, rapidly, ratified, reached, read, readily, realign, realized, recognition, recognize, recognized, recoverability, recovered, recovery, recoverywithout, redeem, redeemable, redemption, reissue, remote, renewable, renewal, repaid, repair, repay, repayment, represent, represented, representing, repriced, restructuring, retention, retroactive, return, returned, revenue, safekeeping, salary, scope, secondary, sector, securitiesare, segment, settlement, sharp, shock, short, shorten, shorter, shortfall, show, similar, Similarly, simulation, sixteen, slight, slower, small, smaller, software, sound, speed, Sponsoring, spread, stable, staffing, standard, statementbasisand, static, steady, store, straight, strategic, strategy, strive, structure, subdivision, substance, substandard, substantive, successful, suffer, suitable, Super, support, supporting, surrender, sustained, tabular, target, Task, tax, taxable, taxing, technical, test, tested, testing, theft, threshold, top, traditional, transition, Treadway, troubled, Troy, trusteed, twosucceeding, type, typically, unable, unallocated, unamortized, unanticipated, uncertain, Uncertainty, unchanged, underlying, understanding, unforeseen, unrealized, unrecognized, unsecured, update, usage, vacation, valuation, vehicle, vest, vested, vesting, virtually, volatility, volume, voluntary, Watch, weighted, whichever, withdrawal, write, yield, yielded

Removed: certification, design, entirety, insider, John, Novak, page, participation, produce, reliable, subsection




Date: March 6, 2008	By:	/s/ Mickey L. Jones

		By: Mickey L. Jones Chief Financial Officer (Principal Financial Officer and Principal Accounting Officer)

Citizens Financial Services (CZFS) 10-K2007 FY Annual report

Content analysis