Call reports 2012
CITIZENS & NORTHERN BANK — 2012
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,304,887,000 | 1,315,932,000 | 1,298,426,000 | 1,274,880,000 |
| Total loans | 699,811,000 | 707,624,000 | 701,995,000 | 686,455,000 |
| Allowance for loan losses | 7,370,000 | 7,657,000 | 7,792,000 | 6,857,000 |
| Securities available for sale | 474,686,000 | 466,506,000 | 475,756,000 | 460,861,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,018,320,000 | 1,031,362,000 | 1,014,931,000 | 1,008,356,000 |
| Interest-bearing deposits | 814,436,000 | 830,534,000 | 825,165,000 | 816,447,000 |
| Noninterest-bearing deposits | 203,884,000 | 200,828,000 | 189,766,000 | 191,909,000 |
| Equity capital | 158,276,000 | 162,624,000 | 166,059,000 | 168,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 14,677,000 | 29,110,000 | 42,846,000 | 56,235,000 |
| Interest expense | 2,502,000 | 4,903,000 | 7,132,000 | 9,032,000 |
| Net interest income | 12,175,000 | 24,207,000 | 35,714,000 | 47,203,000 |
| Noninterest income | 3,749,000 | 7,792,000 | 11,876,000 | 16,224,000 |
| Noninterest expense | 8,428,000 | 16,621,000 | 26,984,000 | 34,940,000 |
| Provision for loan losses | -182,000 | 185,000 | 421,000 | 288,000 |
| Pretax income | 7,676,000 | 15,394,000 | 22,413,000 | 30,478,000 |
| Income tax | 2,128,000 | 4,226,000 | 6,092,000 | 8,303,000 |
| Net income | 5,548,000 | 11,168,000 | 16,321,000 | 22,175,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,238,000 | 139,590,000 | 143,521,000 | 145,596,000 |
| Total capital | 142,682,000 | 147,313,000 | 151,320,000 | 152,462,000 |
| Risk-weighted assets | 697,560,000 | 702,534,000 | 710,132,000 | 683,308,000 |
Machine access — free, no API key
Every figure shown here about CITIZENS & NORTHERN BANK — 2012 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.