Call reports 2011
CITIZENS & NORTHERN BANK — 2011
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,305,331,000 | 1,298,675,000 | 1,301,218,000 | 1,312,496,000 |
| Total loans | 719,094,000 | 714,103,000 | 707,097,000 | 709,254,000 |
| Allowance for loan losses | 8,846,000 | 8,269,000 | 8,177,000 | 7,705,000 |
| Securities available for sale | 443,340,000 | 454,537,000 | 462,030,000 | 470,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,011,037,000 | 996,041,000 | 997,342,000 | 1,019,932,000 |
| Interest-bearing deposits | 829,330,000 | 830,101,000 | 818,699,000 | 824,955,000 |
| Noninterest-bearing deposits | 181,707,000 | 165,940,000 | 178,643,000 | 194,977,000 |
| Equity capital | 134,176,000 | 142,096,000 | 148,832,000 | 154,473,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 15,210,000 | 30,565,000 | 45,794,000 | 60,895,000 |
| Interest expense | 4,016,000 | 7,644,000 | 10,753,000 | 13,557,000 |
| Net interest income | 11,194,000 | 22,921,000 | 35,041,000 | 47,338,000 |
| Noninterest income | 2,538,000 | 6,169,000 | 10,136,000 | 13,845,000 |
| Noninterest expense | 8,207,000 | 15,859,000 | 23,850,000 | 31,780,000 |
| Provision for loan losses | -192,000 | -161,000 | -198,000 | -285,000 |
| Pretax income | 7,554,000 | 15,303,000 | 23,462,000 | 31,813,000 |
| Income tax | 2,070,000 | 4,197,000 | 6,430,000 | 8,719,000 |
| Net income | 5,484,000 | 11,106,000 | 17,032,000 | 23,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 115,460,000 | 121,259,000 | 124,987,000 | 129,978,000 |
| Total capital | 124,342,000 | 129,564,000 | 133,186,000 | 137,717,000 |
| Risk-weighted assets | 726,891,000 | 717,601,000 | 710,825,000 | 700,576,000 |
Machine access — free, no API key
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