Call reports 2006
CITIZENS & NORTHERN BANK — 2006
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,092,316,000 | 1,059,684,000 | 1,061,216,000 | 1,063,970,000 |
| Total loans | 629,588,000 | 636,274,000 | 654,542,000 | 667,200,000 |
| Allowance for loan losses | 8,476,000 | 7,606,000 | 7,703,000 | 7,829,000 |
| Securities available for sale | 390,112,000 | 326,811,000 | 334,565,000 | 321,359,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 716,421,000 | 721,875,000 | 720,424,000 | 725,983,000 |
| Interest-bearing deposits | 624,314,000 | 625,188,000 | 625,861,000 | 629,089,000 |
| Noninterest-bearing deposits | 92,107,000 | 96,687,000 | 94,563,000 | 96,894,000 |
| Equity capital | 93,863,000 | 91,774,000 | 93,930,000 | 95,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 15,300,000 | 30,674,000 | 46,202,000 | 62,055,000 |
| Interest expense | 7,241,000 | 14,752,000 | 22,540,000 | 30,592,000 |
| Net interest income | 8,059,000 | 15,922,000 | 23,662,000 | 31,463,000 |
| Noninterest income | 1,513,000 | 3,183,000 | 5,124,000 | 7,267,000 |
| Noninterest expense | 7,280,000 | 14,765,000 | 21,864,000 | 29,340,000 |
| Provision for loan losses | 600,000 | 300,000 | 526,000 | 742,000 |
| Pretax income | 2,261,000 | 5,868,000 | 9,187,000 | 12,135,000 |
| Income tax | 184,000 | 925,000 | 1,679,000 | 2,181,000 |
| Net income | 2,077,000 | 4,943,000 | 7,508,000 | 9,954,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 94,205,000 | 94,239,000 | 94,804,000 | 97,250,000 |
| Total capital | 104,868,000 | 103,391,000 | 103,881,000 | 106,258,000 |
| Risk-weighted assets | 733,183,000 | 706,785,000 | 719,308,000 | 724,383,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS & NORTHERN BANK — 2006 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts, and since 27 September get_timeseries for a metric over time with its gap years made explicit and compare_entities for several entities on one shared period) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.