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Citizens Financial Corporation (the “Company”) annual reports to shareholders are
available under DOCUMENTS. Such annual reports include audited consolidated financial
statements of the Company and its subsidiaries prepared on the basis of accounting
principles generally accepted in the United States (“GAAP”).
Prior to November 14, 2007, the Company filed financial and other required
reports with the Securities and Exchange Commission (“SEC”).
Click here for the SEC filings.
Life Insurance Subsidiaries
Citizens Security Life Insurance Company (“Citizens Security”) and United Liberty Life
Insurance Company (“United Liberty”) are each required to file quarterly and annual
financial statements with the Kentucky Office of Insurance and other regulatory agencies
that have been prepared in conformity with statutory accounting practices (“SAP”). SAP
differs in certain significant respects from GAAP. An overview of the material differences
between SAP and GAAP is presented in the notes to the financial statements contained in
Citizens Financial Corporation’s annual reports to shareholders. Key pages from Citizens
Security’s and United Liberty’s SAP quarterly and annual financial statements are available
under DOCUMENTS.
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