Call reports 2009
CITIZENS & NORTHERN BANK — 2009
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,233,859,000 | 1,227,502,000 | 1,216,802,000 | 1,276,365,000 |
| Total loans | 715,728,000 | 712,311,000 | 713,887,000 | 707,866,000 |
| Allowance for loan losses | 7,474,000 | 7,529,000 | 8,035,000 | 8,115,000 |
| Securities available for sale | 376,921,000 | 375,928,000 | 364,704,000 | 371,659,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 2,685,000 | 547,000 | 0 | 1,045,000 |
| Total deposits | 833,055,000 | 846,402,000 | 859,072,000 | 886,937,000 |
| Interest-bearing deposits | 713,394,000 | 726,685,000 | 735,017,000 | 756,881,000 |
| Noninterest-bearing deposits | 119,661,000 | 119,717,000 | 124,055,000 | 130,056,000 |
| Equity capital | 94,423,000 | 94,127,000 | 87,945,000 | 133,498,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 16,901,000 | 33,426,000 | 49,587,000 | 65,279,000 |
| Interest expense | 6,455,000 | 12,478,000 | 18,357,000 | 23,900,000 |
| Net interest income | 10,446,000 | 20,948,000 | 31,230,000 | 41,379,000 |
| Noninterest income | 2,624,000 | 5,501,000 | 8,669,000 | 12,131,000 |
| Noninterest expense | 8,129,000 | 16,718,000 | 24,560,000 | 31,640,000 |
| Provision for loan losses | -163,000 | -52,000 | 581,000 | 707,000 |
| Pretax income | -2,294,000 | -5,516,000 | -37,304,000 | -31,058,000 |
| Income tax | -1,225,000 | -2,781,000 | -14,433,000 | -12,835,000 |
| Net income | -1,069,000 | -2,735,000 | -22,871,000 | -18,223,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,446,000 | 98,823,000 | 73,316,000 | 109,112,000 |
| Total capital | 110,094,000 | 106,531,000 | 81,637,000 | 117,320,000 |
| Risk-weighted assets | 883,317,000 | 868,293,000 | 754,396,000 | 723,365,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS & NORTHERN BANK — 2009 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.