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Share Name | Share Symbol | Market | Type |
---|---|---|---|
Citizens Financial Corporation (PK) | USOTC:CIWV | OTCMarkets | Common Stock |
Price Change | % Change | Share Price | Bid Price | Offer Price | High Price | Low Price | Open Price | Shares Traded | Last Trade | |
---|---|---|---|---|---|---|---|---|---|---|
0.00 | 0.00% | 19.00 | 18.00 | 19.50 | 19.00 | 18.88 | 18.88 | 200 | 21:56:16 |
For the quarterly period ended
|
September 30, 2007
|
Delaware
|
55-0666598
|
(State
or other jurisdiction of incorporation or organization)
|
(I.R.S.
Employer Identification No.)
|
213
Third Street, Elkins, West Virginia
|
26241
|
(Address
of principal executive offices)
|
(Zip
Code)
|
Large
accelerated filer
o
|
Accelerated
filer
o
|
Non-accelerated
filer
x
|
Outstanding
at
|
||
Class
|
November
14, 2007
|
|
Common
Stock ($2 par value)
|
1,829,504
|
Page
No
|
|
Part
I. Financial Information
|
|
Item
1. Financial Statements
|
|
3
|
|
|
|
4
|
|
|
|
5
|
|
|
|
6
|
|
|
|
7
|
|
|
|
8-14
|
|
|
|
14-22
|
|
|
|
23
|
|
|
|
23
|
|
|
|
Part
II. Other Information and Index to Exhibits
|
|
|
|
24
|
|
|
|
25
|
|
|
|
Certification
by Executive Officers Pursuant to Sections 302 and 906 of the
Sarbanes-Oxley Act of 2002
|
26-29
|
Three Months Ended
|
Nine Months Ended
|
|||||||||||||||
Sept. 30,
|
Sept. 30,
|
|||||||||||||||
2007
|
2006
|
2007
|
2006
|
|||||||||||||
(Unaudited)
|
(Unaudited)
|
|||||||||||||||
INTEREST
INCOME
|
||||||||||||||||
Interest
and fees on loans
|
$ |
3,491
|
$ |
3,406
|
$ |
10,178
|
$ |
9,571
|
||||||||
Interest
and dividends on
|
||||||||||||||||
securities:
|
||||||||||||||||
Taxable
|
453
|
472
|
1,419
|
1,530
|
||||||||||||
Tax-exempt
|
155
|
75
|
387
|
226
|
||||||||||||
Interest
on interest bearing deposits with other banks
|
33
|
20
|
79
|
25
|
||||||||||||
Interest
on federal funds sold
|
3
|
2
|
12
|
20
|
||||||||||||
Total
interest income
|
4,135
|
3,975
|
12,075
|
11,372
|
||||||||||||
INTEREST
EXPENSE
|
||||||||||||||||
Interest
on deposits
|
1,532
|
1,308
|
4,417
|
3,477
|
||||||||||||
Interest
on short-term borrowings
|
187
|
227
|
520
|
620
|
||||||||||||
Interest
on long-term borrowings
|
33
|
42
|
104
|
134
|
||||||||||||
Total
interest expense
|
1,752
|
1,577
|
5,041
|
4,231
|
||||||||||||
Net
interest income
|
2,383
|
2,398
|
7,034
|
7,141
|
||||||||||||
Provision
for loan losses
|
149
|
69
|
805
|
275
|
||||||||||||
Net
interest income after provision for loan losses
|
2,234
|
2,329
|
6,229
|
6,866
|
||||||||||||
NONINTEREST
INCOME
|
||||||||||||||||
Trust
department income
|
56
|
53
|
167
|
149
|
||||||||||||
Brokerage
fees
|
35
|
26
|
112
|
90
|
||||||||||||
Service
fees
|
267
|
216
|
769
|
625
|
||||||||||||
Insurance
commissions
|
8
|
9
|
17
|
20
|
||||||||||||
Security
gains/(losses)
|
-
|
-
|
-
|
(18 | ) | |||||||||||
Secondary
market loan fees
|
17
|
22
|
83
|
87
|
||||||||||||
Other
|
64
|
60
|
215
|
210
|
||||||||||||
Total
noninterest income
|
447
|
386
|
1,363
|
1,163
|
||||||||||||
NONINTEREST
EXPENSE
|
||||||||||||||||
Salaries
and employee benefits
|
927
|
965
|
2,895
|
2,850
|
||||||||||||
Net
occupancy expense
|
119
|
99
|
329
|
280
|
||||||||||||
Equipment
expense
|
80
|
102
|
293
|
339
|
||||||||||||
Data
processing
|
126
|
105
|
391
|
411
|
||||||||||||
Director
fees
|
58
|
74
|
193
|
204
|
||||||||||||
Postage
|
47
|
41
|
131
|
130
|
||||||||||||
Professional
service fees
|
103
|
61
|
243
|
267
|
||||||||||||
Stationery
|
44
|
35
|
119
|
109
|
||||||||||||
Software
expense
|
58
|
46
|
142
|
135
|
||||||||||||
Net
cost of operation of other real estate
|
269
|
77
|
451
|
133
|
||||||||||||
Other
|
258
|
292
|
810
|
740
|
||||||||||||
Total
noninterest expense
|
2,089
|
1,897
|
5,997
|
5,598
|
||||||||||||
Income
before income taxes
|
592
|
818
|
1,595
|
2,431
|
||||||||||||
Income
tax expense
|
160
|
268
|
439
|
777
|
||||||||||||
Net
income
|
$ |
432
|
$ |
550
|
$ |
1,156
|
$ |
1,654
|
||||||||
Basic
and fully diluted earnings per common share
|
$ |
0.23
|
$ |
0.30
|
$ |
0.63
|
$ |
0.90
|
||||||||
Weighted
average shares outstanding
|
1,829,504
|
1,837,959
|
1,829,504
|
1,846,391
|
||||||||||||
Dividends
per common share
|
$ |
0.12
|
$ |
0.12
|
$ |
0.36
|
$ |
0.36
|
Three Months Ended
|
Nine Months Ended
|
|||||||||||||||
Sept. 30
|
Sept. 30
|
|||||||||||||||
2007
|
2006
|
2007
|
2006
|
|||||||||||||
(Unaudited)
|
(Unaudited)
|
|||||||||||||||
Net
income
|
$ |
432
|
$ |
550
|
$ |
1,156
|
$ |
1,654
|
||||||||
Other
comprehensive income:
|
||||||||||||||||
Gross
unrealized gains/(losses) arising during the period
|
555
|
555
|
371
|
187
|
||||||||||||
Adjustment
for income tax benefit
|
(211 | ) | (211 | ) | (141 | ) | (71 | ) | ||||||||
344
|
344
|
230
|
116
|
|||||||||||||
Add: Reclassification
adjustment for (gains)/losses included in net income
|
-
|
-
|
-
|
18
|
||||||||||||
Adjustment
for income tax expense/(benefit)
|
-
|
-
|
-
|
(7 | ) | |||||||||||
-
|
-
|
-
|
11
|
|||||||||||||
Other
comprehensive income/(loss), net of tax
|
344
|
344
|
230
|
127
|
||||||||||||
Comprehensive
income/(loss)
|
$ |
776
|
$ |
894
|
$ |
1,386
|
$ |
1,781
|
Nine Months Ended September 30, 2007 and 2006
|
||||||||||||||||||||||||||||
(unaudited)
|
||||||||||||||||||||||||||||
Accumulated
|
Total
|
|||||||||||||||||||||||||||
Additional
|
Other
|
Share-
|
||||||||||||||||||||||||||
Common Stock
|
Paid-in
|
Retained
|
Comprehensive
|
Treasury
|
holders'
|
|||||||||||||||||||||||
Shares
|
Amount
|
Capital
|
Earnings
|
Income/(Loss)
|
Stock
|
Equity
|
||||||||||||||||||||||
Balance,
January 1, 2007
|
2,250,000
|
$ |
4,500
|
$ |
-
|
$ |
20,843
|
$ | (1,233 | ) | $ | (3,832 | ) | $ |
20,278
|
|||||||||||||
Net
income
|
-
|
-
|
-
|
1,156
|
-
|
-
|
1,156
|
|||||||||||||||||||||
Net
change in unrealized gain/loss on securities
|
-
|
-
|
-
|
-
|
230
|
-
|
230
|
|||||||||||||||||||||
Cash
dividends declared($0.36 per share)
|
-
|
-
|
-
|
(659 | ) |
-
|
-
|
(659 | ) | |||||||||||||||||||
Balance
September 30, 2007
|
2,250,000
|
$ |
4,500
|
$ |
-
|
$ |
21,340
|
$ | (1,003 | ) | $ | (3,832 | ) | $ |
21,005
|
|||||||||||||
Balance,
January 1, 2006
|
750,000
|
$ |
1,500
|
$ |
2,100
|
$ |
20,704
|
$ | (1,316 | ) | $ | (3,375 | ) | $ |
19,613
|
|||||||||||||
Net
income
|
-
|
-
|
-
|
1,654
|
-
|
-
|
1,654
|
|||||||||||||||||||||
Net
change in unrealized gain/loss on securities
|
-
|
-
|
-
|
-
|
127
|
-
|
127
|
|||||||||||||||||||||
Cash
dividends declared ($0.36 per share)
|
-
|
-
|
-
|
(664 | ) |
-
|
-
|
(664 | ) | |||||||||||||||||||
Purchase
of 17,772 treasury stock
|
-
|
-
|
-
|
-
|
-
|
(333 | ) | (333 | ) | |||||||||||||||||||
Stock
split effected in the form of a 200% stock dividend
|
1,500,000
|
3,000
|
(2,100 | ) | (900 | ) |
-
|
-
|
-
|
|||||||||||||||||||
Balance
September 30, 2006
|
2
,250,000
|
$ |
4,500
|
$ |
-
|
$ |
20,794
|
$ | (1,189 | ) | $ | (3,708 | ) | $ |
20,397
|
Nine Months Ended
|
||||||||
September 30,
|
||||||||
2007
|
2006
|
|||||||
Cash
flows from operating activities:
|
(Unaudited)
|
|||||||
Net
Income
|
$ |
1,156
|
$ |
1,654
|
||||
Adjustments
to reconcile net income to cash provided by operating
activities:
|
||||||||
Provision
for loan losses
|
805
|
275
|
||||||
Depreciation
and amortization
|
241
|
272
|
||||||
Amortization
on securities
|
23
|
55
|
||||||
Loss
on sale of securities
|
-
|
18
|
||||||
Loss
on sale of other real estate
|
284
|
89
|
||||||
Provision
for loss on other real estate
|
113
|
-
|
||||||
Increase
in accrued interest receivable
|
(25 | ) | (12 | ) | ||||
Decrease
in other assets
|
124
|
150
|
||||||
(Decrease)/increase
in other liabilities
|
(187 | ) |
29
|
|||||
Cash
provided by operating activities
|
2,534
|
2,530
|
||||||
Cash
flows from investing activities:
|
||||||||
Principal
payments, available for sale securities
|
1,395
|
1,510
|
||||||
Proceeds
from sales of available for sale securities
|
296
|
3,694
|
||||||
Proceeds
from maturities and calls, available for sale securities
|
13,655
|
11,500
|
||||||
Purchases
of available for sale securities
|
(11,927 | ) | (7,590 | ) | ||||
Purchases
of premises and equipment
|
(79 | ) | (270 | ) | ||||
Proceeds
from sale of other real estate
|
1,106
|
158
|
||||||
Increase
in loans
|
(7,221 | ) | (12,445 | ) | ||||
Cash
used in investing activities
|
(2,775 | ) | (3,443 | ) | ||||
Cash
flows from financing activities:
|
||||||||
Cash
dividends paid
|
(659 | ) | (664 | ) | ||||
Acquisition
of treasury stock
|
-
|
(333 | ) | |||||
Decrease
in short-term borrowing
|
(1,918 | ) | (2,233 | ) | ||||
Repayment
of long-term borrowing
|
(702 | ) | (1,281 | ) | ||||
Increase
in time deposits
|
933
|
8,747
|
||||||
Increase/(decrease)
in other deposits
|
4,574
|
(3,599 | ) | |||||
Cash
provided by financing activities
|
2,228
|
639
|
||||||
Net
increase/(decrease) in cash and cash equivalents
|
1,987
|
(274 | ) | |||||
Cash
and cash equivalents at beginning of period
|
6,095
|
8,773
|
||||||
Cash
and cash equivalents at end of period
|
$ |
8,082
|
$ |
8,499
|
||||
Supplemental
disclosure of cash flow information:
|
||||||||
Cash
paid during the period for:
|
||||||||
Interest
|
$ |
5,006
|
$ |
4,081
|
||||
Income
taxes
|
738
|
971
|
||||||
Supplemental
Schedule of Noncash Investing and
|
||||||||
Financing
Activities:
|
||||||||
Other
real estate and other assets acquired in settlement of
loans
|
$ |
1,257
|
$ |
559
|
September
30, 2007
|
||||||||||||||||
Carrying
|
||||||||||||||||
Value
|
||||||||||||||||
(Estimated
|
||||||||||||||||
Amortized
|
Unrealized
|
Unrealized
|
Fair
|
|||||||||||||
Cost
|
Gains
|
Losses
|
Value)
|
|||||||||||||
(Unaudited)
|
||||||||||||||||
Available
for sale:
|
||||||||||||||||
U.S.
Government agencies and corporations
|
$ |
32,078
|
$ |
86
|
$ |
85
|
$ |
32,079
|
||||||||
Mortgage
backed securities-
|
||||||||||||||||
U.S.
Government agencies and corporations
|
7,049
|
-
|
102
|
6,947
|
||||||||||||
Tax
exempt state and political subdivisions
|
16,853
|
12
|
151
|
16,714
|
||||||||||||
Federal
Reserve Bank stock
|
108
|
-
|
-
|
108
|
||||||||||||
Federal
Home Loan Bank stock
|
663
|
-
|
-
|
663
|
||||||||||||
Community
Financial Services Inc. stock
|
163
|
-
|
-
|
163
|
||||||||||||
Total
securities available for sale
|
$ |
56,914
|
$ |
98
|
$ |
338
|
$ |
56,674
|
December, 31, 2006*
|
||||||||||||||||
Carrying
|
||||||||||||||||
Value
|
||||||||||||||||
(Estimated
|
||||||||||||||||
Amortized
|
Unrealized
|
Unrealized
|
Fair
|
|||||||||||||
Cost
|
Gains
|
Losses
|
Value)
|
|||||||||||||
Available
for sale:
|
||||||||||||||||
U.S.
Government agencies and corporations
|
$ |
41,921
|
$ |
5
|
$ |
415
|
$ |
41,511
|
||||||||
Mortgage
backed securities-
|
||||||||||||||||
U.S.
Government agencies and corporations
|
8,374
|
-
|
149
|
8,225
|
||||||||||||
Tax
exempt state and political subdivisions
|
9,183
|
16
|
68
|
9,131
|
||||||||||||
Federal
Reserve Bank stock
|
108
|
-
|
-
|
108
|
||||||||||||
Federal
Home Loan Bank stock
|
770
|
-
|
-
|
770
|
||||||||||||
Total
securities available for sale
|
$ |
60,356
|
$ |
21
|
$ |
632
|
$ |
59,745
|
September 30, 2007
|
||||||||||||||||||||||||
Securities Available for Sale
|
||||||||||||||||||||||||
Less Than 12 Months
|
12 Months or More
|
Total
|
||||||||||||||||||||||
Fair
|
Unrealized
|
Fair
|
Unrealized
|
Fair
|
Unrealized
|
|||||||||||||||||||
Value
|
Losses
|
Value
|
Losses
|
Value
|
Losses
|
|||||||||||||||||||
U.S.
Government agencies and corporations
|
$ |
-
|
$ |
-
|
$ |
19,652
|
$ |
85
|
$ |
19,652
|
$ |
85
|
||||||||||||
Mortgage
backed securities-
|
||||||||||||||||||||||||
U.S.
Government agencies and corporations
|
844
|
3
|
6,024
|
99
|
6,868
|
102
|
||||||||||||||||||
Tax
exempt state and political subdivisions
|
9,875
|
101
|
4,974
|
50
|
14,849
|
151
|
||||||||||||||||||
Total
securities available for sale
|
$ |
10,719
|
$ |
104
|
$ |
30,650
|
$ |
234
|
$ |
41,369
|
$ |
338
|
December 31, 2006*
|
||||||||||||||||||||||||
Securities Available for Sale
|
||||||||||||||||||||||||
Less Than 12 Months
|
12 Months or More
|
Total
|
||||||||||||||||||||||
Fair
|
Unrealized
|
Fair
|
Unrealized
|
Fair
|
Unrealized
|
|||||||||||||||||||
Value
|
Losses
|
Value
|
Losses
|
Value
|
Losses
|
|||||||||||||||||||
U.S.
Government agencies and corporations
|
$ |
5,332
|
$ |
13
|
$ |
33,264
|
$ |
401
|
$ |
38,596
|
$ |
414
|
||||||||||||
Mortgage
backed securities-
|
||||||||||||||||||||||||
U.S.
Government agencies and corporations
|
2,783
|
10
|
5,327
|
139
|
8,110
|
149
|
||||||||||||||||||
Tax
exempt state and political subdivisions
|
3,441
|
18
|
3,945
|
51
|
7,386
|
69
|
||||||||||||||||||
Total
securities available for sale
|
$ |
11,556
|
$ |
41
|
$ |
42,536
|
$ |
591
|
$ |
54,092
|
$ |
632
|
Available for sale
|
||||||||
Amortized
|
Estimated
|
|||||||
Cost
|
Fair Value
|
|||||||
Due
within 1 year
|
$ |
19,874
|
$ |
19,803
|
||||
Due
after 1 but within 5 years
|
27,778
|
27,698
|
||||||
Due
after 5 but within 10 years
|
7,338
|
7,262
|
||||||
Due
after 10 years
|
990
|
977
|
||||||
Equity
securities
|
934
|
934
|
||||||
$ |
56,914
|
$ |
56,674
|
Proceeds From
|
Gross Realized
|
|||||||||||||||||||
Calls and
|
Principal
|
|||||||||||||||||||
Sales
|
Maturities
|
Payments
|
Gains
|
Losses
|
||||||||||||||||
September
30, 2007:
|
||||||||||||||||||||
Securities
available for sale
|
$ |
296
|
$ |
13,655
|
$ |
1,395
|
$ |
-
|
$ |
-
|
||||||||||
September
30, 2006:
|
||||||||||||||||||||
Securities
available for sale
|
$ |
3,694
|
$ |
11,500
|
$ |
1,510
|
$ |
-
|
$ |
18
|
September 30, 2007
|
December 31, 2006
|
|||||||
(Unaudited)
|
*
|
|||||||
Commercial,
financial and agricultural
|
$ |
25,912
|
$ |
26,969
|
||||
Real
estate - construction
|
11,084
|
13,965
|
||||||
Real
estate – home equity
|
7,163
|
7,985
|
||||||
Real
estate – residential mortgage
|
61,811
|
61,401
|
||||||
Real
estate – commercial mortgage
|
54,917
|
45,579
|
||||||
Installment
loans
|
10,708
|
10,635
|
||||||
Other
|
2,029
|
1,611
|
||||||
Total
loans
|
173,624
|
168,145
|
||||||
Net
deferred loan origination fees and costs
|
(148 | ) | (54 | ) | ||||
Unearned
income
|
(1 | ) |
-
|
|||||
Total
|
173,475
|
168,091
|
||||||
Allowance
for loan losses
|
(2,098 | ) | (1,873 | ) | ||||
Loans,
net
|
$ |
171,377
|
$ |
166,218
|
Three Months Ended
|
Nine Months Ended
|
|||||||||||||||
September 30,
|
September 30,
|
|||||||||||||||
2007
|
2006
|
2007
|
2006
|
|||||||||||||
Balance
at beginning of period
|
$ |
2,103
|
$ |
1,778
|
$ |
1,873
|
$ |
1,597
|
||||||||
Loans
charged off:
|
||||||||||||||||
Commercial
and industrial
|
149
|
2
|
334
|
26
|
||||||||||||
Real
estate – res. mortgage
|
-
|
-
|
-
|
-
|
||||||||||||
Real
estate – comm. mortgage
|
-
|
-
|
242
|
-
|
||||||||||||
Consumer
and other
|
6
|
14
|
30
|
21
|
||||||||||||
Total
|
155
|
16
|
606
|
47
|
||||||||||||
Recoveries:
|
||||||||||||||||
Commercial
and industrial
|
-
|
2
|
-
|
2
|
||||||||||||
Real
estate - mortgage
|
-
|
-
|
-
|
-
|
||||||||||||
Consumer
and other
|
1
|
3
|
26
|
9
|
||||||||||||
Total
recoveries
|
1
|
5
|
26
|
11
|
||||||||||||
Net
losses
|
154
|
11
|
580
|
36
|
||||||||||||
Provision
for loan losses
|
149
|
69
|
805
|
275
|
||||||||||||
Balance
at end of period
|
$ |
2,098
|
$ |
1,836
|
$ |
2,098
|
$ |
1,836
|
Sept. 30, 2007
|
December 31, 2006
|
|||||||
(Unaudited)
|
*
|
|||||||
Interest
bearing checking
|
$ |
48,593
|
$ |
41,768
|
||||
Money
market accounts
|
5,598
|
5,979
|
||||||
Savings
accounts
|
21,649
|
22,746
|
||||||
Certificates
of deposit under $100,000
|
60,001
|
59,950
|
||||||
Certificates
of deposit of $100,000 or more
|
39,879
|
38,997
|
||||||
Total
|
$ |
175,720
|
$ |
169,440
|
Sept. 30, 2007
|
December 31, 2006
|
|||||||
(Unaudited)
|
*
|
|||||||
Short-term
borrowings:
|
||||||||
Securities
sold under agreements to repurchase
|
$ |
17,915
|
$ |
15,970
|
||||
Federal
funds purchased
|
-
|
425
|
||||||
Overnight
advances from Federal Home Loan Bank of Pittsburgh (FHLB) line of
credit
|
-
|
3,438
|
||||||
Total
|
$ |
17,915
|
$ |
19,833
|
||||
Long-term
borrowings:
|
||||||||
Advances
from FHLB
|
$ |
2,810
|
$ |
3,512
|
Nine Months Ended September 30,
|
||||||||||||||||
Pension Benefits
|
Other Benefits
|
|||||||||||||||
2007
|
2006
|
2007
|
2006
|
|||||||||||||
Service
cost
|
$ |
87
|
$ |
84
|
$ |
15
|
$ |
18
|
||||||||
Interest
cost
|
217
|
204
|
21
|
24
|
||||||||||||
Expected
return on plan assets
|
(248 | ) | (247 | ) |
-
|
-
|
||||||||||
Net
amortization and deferral
|
59
|
59
|
7
|
12
|
||||||||||||
Net
periodic cost
|
$ |
115
|
$ |
100
|
$ |
43
|
$ |
54
|
Financial
instruments whose contract
|
Sept. 30, 2007
|
December 31, 2006
|
||||||
amounts
represent credit risk
|
(unaudited)
|
* | ||||||
(in
thousands)
|
|
|
||||||
Commitments
to extend credit
|
$ |
26,299
|
$ |
22,054
|
||||
Standby
letters of credit`
|
344
|
462
|
||||||
Total
|
$ |
26,643
|
$ |
22,516
|
I
te
m
1.
|
Legal
Proceedings
:
|
Item
1A.
|
Risk
Factors
: There have been no material changes in the Risk
factors discussed in Item 1A of our December 31, 2006 Form
10-K.
|
Item
2.
|
Unregistered
Sales of Equity Securities and Use of Proceeds
:
None.
|
Item
3.
|
Defaults
upon Senior
Securities
: None.
|
Item
4.
|
Submission
of Matters to a Vote of Security
Holders
: None.
|
Item
5.
|
Other
Information
: None.
|
Item
6.
|
Exhibits
:
|
|
Exhibit
No.
|
Description
of Exhibit
|
|
Certification
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, 18 U.S.C.
Section 1350
|
|
Certification
Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002, 18 U.S.C.
Section 1350
|
32.1 | Certification Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350 |
32.2 | Certification Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, 18 U.S.C. Section 1350 |
CITIZENS
FINANCIAL CORP.
|
||||
Date: |
11/13/07
|
|
/s/
Robert J. Schoonover
|
|
Robert
J. Schoonover
|
||||
President
|
||||
Chief
Executive Officer
|
Date: |
11/13/07
|
/s/
Thomas K. Derbyshire
|
||
Thomas
K. Derbyshire
|
||||
Vice
President, Treasurer and
|
||||
Principal
Financial Officer
|
1 Year Citizens Financial (PK) Chart |
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