bank holding company · RSSD 1143623 · PA
How big is CITIZENS & NORTHERN CORPORATION?
CITIZENS & NORTHERN CORPORATION (PA, RSSD 1143623) reported consolidated total assets of $1.3B, deposits of $1.0B and a Tier 1 risk-based capital ratio of 22.70% in its FR Y-9C for 2018Q2. That ranks 511 of 650 bank holding companies by assets, 384 of 492 among bank holding companies with $1b-$10b in assets, 23 of 37 bank holding companies in pennsylvania.
What stands out
CITIZENS & NORTHERN CORPORATION (PA, RSSD 1143623) reported consolidated total assets of $1.3B, deposits of $1.0B and a Tier 1 risk-based capital ratio of 22.70% in its FR Y-9C for 2018Q2. That ranks 511 of 650 bank holding companies by assets, 384 of 492 among bank holding companies with $1b-$10b in assets, 23 of 37 bank holding companies in pennsylvania. Against its size class: tier 1 risk-based capital ratio 22.70%, above the peer median of 12.60%; tier 1 leverage ratio 14.52%, above the peer median of 10.12%; return on assets 1.67%, above the peer median of 1.11%. At 22.70% its Tier 1 risk-based ratio is above the 6% minimum of the Federal Reserve's capital rule in force since 2015; its leverage ratio of 14.52% is above the 4% minimum. Buffers, stress tests and the small-holding-company exemption are not applied here. The last report on record is for 2018Q2; the holding company may have merged, deregistered or fallen below the filing threshold after that.
Key figures, 2018Q2
As filed on the FR Y-9C; ratios marked computed are FACTANKER's. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2018Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.3B | $1.9B | $1.6B | $2.3B | record → |
| Total deposits | $1.0B | $1.5B | $1.3B | $1.8B | record → |
| Loans and leases | $818.8M | $1.3B | $1.2B | $1.6B | record → |
| Net income (year to date) | $10.7M | $11.2M | $7.6M | $13.4M | record → |
| Total equity capital | $189.2M | $198.3M | $160.3M | $251.4M | record → |
| Equity to assets | 14.73% | 10.25% | 9.87% | 10.57% | computed |
| Tier 1 risk-based capital ratio | 22.70% | 12.60% | 12.06% | 12.70% | record → |
| Total risk-based capital ratio | 23.82% | 14.11% | 13.68% | 14.27% | record → |
| Tier 1 leverage ratio | 14.52% | 10.12% | 9.56% | 10.05% | record → |
| Return on assets | 1.67% | 1.11% | 0.94% | 1.12% | computed |
Quarter by quarter
125 reports on record, 1987Q2–2018Q2; the 40 most recent shown.
| Quarter | Total assets | Deposits | Loans | Net income YTD | Equity | Tier 1 ratio | Rank |
|---|---|---|---|---|---|---|---|
| 2018Q2 | $1.3B | $1.0B | $818.8M | $10.7M | $189.2M | 22.70% | 511 |
| 2018Q1 | $1.3B | $1.0B | $817.6M | $4.4M | $186.4M | 22.33% | 521 |
| 2017Q4 | $1.3B | $1.0B | $816.5M | $13.4M | $188.4M | 21.95% | 508 |
| 2017Q3 | $1.3B | $1.0B | $801.4M | $11.5M | $191.0M | 22.42% | 517 |
| 2017Q2 | $1.2B | $997.3M | $781.4M | $7.6M | $189.9M | 22.45% | 521 |
| 2017Q1 | $1.2B | $980.3M | $762.2M | $3.4M | $187.3M | 22.57% | 526 |
| 2016Q4 | $1.2B | $983.8M | $752.0M | $15.8M | $186.0M | 22.48% | 517 |
| 2016Q3 | $1.2B | $991.9M | $743.0M | $11.5M | $190.6M | 22.43% | 516 |
| 2016Q2 | $1.2B | $968.0M | $728.2M | $7.4M | $190.5M | 22.41% | 514 |
| 2016Q1 | $1.2B | $955.8M | $702.1M | $3.6M | $188.3M | 23.12% | 513 |
| 2015Q4 | $1.2B | $935.6M | $705.2M | $16.5M | $187.5M | 23.29% | 502 |
| 2015Q3 | $1.2B | $961.1M | $679.9M | $12.4M | $190.1M | 23.39% | 493 |
| 2015Q2 | $1.3B | $978.4M | $664.0M | $8.2M | $187.0M | 23.26% | 480 |
| 2015Q1 | $1.3B | $976.6M | $628.6M | $3.8M | $189.1M | 23.98% | 481 |
| 2014Q4 | $1.2B | $968.0M | $630.5M | $17.1M | $188.4M | 26.26% | 477 |
| 2014Q3 | $1.3B | $981.5M | $629.8M | $12.7M | $186.9M | 26.09% | 465 |
| 2014Q2 | $1.3B | $979.2M | $621.6M | $8.5M | $189.2M | 26.48% | 462 |
| 2014Q1 | $1.2B | $961.8M | $626.0M | $4.3M | $184.8M | 26.26% | 473 |
| 2013Q4 | $1.2B | $954.5M | $644.4M | $18.6M | $179.5M | 25.15% | 460 |
| 2013Q3 | $1.2B | $963.5M | $649.3M | $14.4M | $181.2M | 24.77% | 455 |
| 2013Q2 | $1.2B | $950.8M | $655.7M | $9.7M | $179.4M | 24.49% | 452 |
| 2013Q1 | $1.2B | $968.0M | $667.5M | $4.7M | $183.2M | 23.83% | 455 |
| 2012Q4 | $1.3B | $1.0B | $686.5M | $22.7M | $182.8M | 22.86% | 437 |
| 2012Q3 | $1.3B | $1.0B | $702.0M | $16.8M | $180.1M | 21.74% | 427 |
| 2012Q2 | $1.3B | $1.0B | $707.6M | $11.3M | $176.1M | 21.29% | 424 |
| 2012Q1 | $1.3B | $1.0B | $699.8M | $5.6M | $171.6M | 20.80% | 426 |
| 2011Q4 | $1.3B | $1.0B | $709.3M | $23.4M | $167.4M | 19.95% | 361 |
| 2011Q3 | $1.3B | $995.7M | $707.1M | $17.2M | $161.2M | 18.92% | 359 |
| 2011Q2 | $1.3B | $995.4M | $714.1M | $11.2M | $153.7M | 18.15% | 359 |
| 2011Q1 | $1.3B | $1.0B | $719.1M | $5.5M | $146.1M | 17.17% | 362 |
| 2010Q4 | $1.3B | $1.0B | $735.7M | $19.1M | $138.9M | 15.87% | 364 |
| 2010Q3 | $1.3B | $983.5M | $726.7M | $14.2M | $141.1M | 15.55% | 365 |
| 2010Q2 | $1.3B | $968.5M | $723.8M | $9.3M | $161.5M | 17.91% | 356 |
| 2010Q1 | $1.3B | $952.5M | $720.4M | $4.4M | $155.5M | 17.16% | 355 |
| 2009Q4 | $1.3B | $926.8M | $721.6M | $-39.3M | $152.4M | 16.70% | 365 |
| 2009Q3 | $1.3B | $896.9M | $728.5M | $-44.0M | $126.1M | 12.46% | 379 |
| 2009Q2 | $1.3B | $885.9M | $727.0M | $-15.8M | $136.6M | 13.89% | 378 |
| 2009Q1 | $1.3B | $874.0M | $731.0M | $-7.0M | $141.1M | 13.67% | 368 |
| 2008Q4 | $1.3B | $864.1M | $743.5M | $10.1M | $122.0M | 13.99% | 367 |
| 2008Q3 | $1.3B | $857.0M | $757.4M | $7.9M | $122.1M | 15.02% | 363 |
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