Call reports 2010
CITIZENS & NORTHERN BANK — 2010
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,298,126,000 | 1,291,436,000 | 1,297,929,000 | 1,306,012,000 |
| Total loans | 706,172,000 | 710,175,000 | 726,689,000 | 735,658,000 |
| Allowance for loan losses | 8,266,000 | 8,306,000 | 8,602,000 | 9,107,000 |
| Securities available for sale | 408,645,000 | 399,508,000 | 425,350,000 | 434,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 908,422,000 | 925,677,000 | 984,314,000 | 1,005,244,000 |
| Interest-bearing deposits | 767,359,000 | 781,635,000 | 831,963,000 | 845,708,000 |
| Noninterest-bearing deposits | 141,063,000 | 144,042,000 | 152,351,000 | 159,536,000 |
| Equity capital | 136,766,000 | 142,635,000 | 130,200,000 | 127,570,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 15,251,000 | 30,164,000 | 46,365,000 | 61,807,000 |
| Interest expense | 5,138,000 | 10,055,000 | 14,936,000 | 19,271,000 |
| Net interest income | 10,113,000 | 20,109,000 | 31,429,000 | 42,536,000 |
| Noninterest income | 3,279,000 | 6,342,000 | 9,876,000 | 13,754,000 |
| Noninterest expense | 7,309,000 | 14,635,000 | 23,181,000 | 31,274,000 |
| Provision for loan losses | 206,000 | 282,000 | 472,000 | 1,191,000 |
| Pretax income | 5,717,000 | 11,558,000 | 17,972,000 | 24,188,000 |
| Income tax | 1,412,000 | 2,625,000 | 4,257,000 | 5,664,000 |
| Net income | 4,305,000 | 8,933,000 | 13,715,000 | 18,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,279,000 | 117,215,000 | 104,986,000 | 108,445,000 |
| Total capital | 121,601,000 | 125,554,000 | 113,616,000 | 117,576,000 |
| Risk-weighted assets | 725,340,000 | 717,317,000 | 733,737,000 | 741,770,000 |
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