Call reports 2007
CITIZENS & NORTHERN BANK — 2007
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,060,093,000 | 1,165,104,000 | 1,136,356,000 | 1,225,710,000 |
| Total loans | 676,290,000 | 737,179,000 | 727,374,000 | 717,294,000 |
| Allowance for loan losses | 7,977,000 | 8,559,000 | 8,402,000 | 8,560,000 |
| Securities available for sale | 308,417,000 | 310,011,000 | 310,610,000 | 400,039,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 1,528,000 | 2,514,000 | 2,515,000 | 2,980,000 |
| Total deposits | 731,124,000 | 833,244,000 | 789,197,000 | 801,218,000 |
| Interest-bearing deposits | 633,430,000 | 722,482,000 | 676,903,000 | 685,759,000 |
| Noninterest-bearing deposits | 97,694,000 | 110,762,000 | 112,294,000 | 115,459,000 |
| Equity capital | 95,709,000 | 108,560,000 | 107,701,000 | 107,705,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 15,665,000 | 32,793,000 | 50,295,000 | 67,945,000 |
| Interest expense | 7,984,000 | 16,638,000 | 25,157,000 | 33,792,000 |
| Net interest income | 7,681,000 | 16,155,000 | 25,138,000 | 34,153,000 |
| Noninterest income | 1,822,000 | 4,206,000 | 6,650,000 | 9,217,000 |
| Noninterest expense | 7,622,000 | 15,183,000 | 23,169,000 | 30,760,000 |
| Provision for loan losses | 229,000 | 229,000 | 229,000 | 529,000 |
| Pretax income | 2,440,000 | 3,996,000 | 7,236,000 | 10,966,000 |
| Income tax | 439,000 | 623,000 | 1,341,000 | 2,223,000 |
| Net income | 2,001,000 | 3,373,000 | 5,895,000 | 8,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,601,000 | 100,953,000 | 101,292,000 | 104,297,000 |
| Total capital | 106,181,000 | 110,070,000 | 110,071,000 | 112,965,000 |
| Risk-weighted assets | 744,591,000 | 805,770,000 | 790,925,000 | 812,715,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS & NORTHERN BANK — 2007 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 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.