Call reports 2013
CITIZENS & NORTHERN BANK — 2013
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,227,741,000 | 1,215,549,000 | 1,219,766,000 | 1,224,369,000 |
| Total loans | 667,545,000 | 655,695,000 | 649,276,000 | 644,357,000 |
| Allowance for loan losses | 7,118,000 | 7,198,000 | 7,130,000 | 8,663,000 |
| Securities available for sale | 448,622,000 | 457,976,000 | 463,427,000 | 470,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 970,373,000 | 953,088,000 | 965,905,000 | 956,981,000 |
| Interest-bearing deposits | 777,050,000 | 754,491,000 | 772,412,000 | 763,408,000 |
| Noninterest-bearing deposits | 193,323,000 | 198,597,000 | 193,493,000 | 193,573,000 |
| Equity capital | 168,464,000 | 164,273,000 | 165,614,000 | 163,711,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 12,544,000 | 24,817,000 | 36,740,000 | 48,539,000 |
| Interest expense | 1,600,000 | 3,016,000 | 4,412,000 | 5,766,000 |
| Net interest income | 10,944,000 | 21,801,000 | 32,328,000 | 42,773,000 |
| Noninterest income | 3,781,000 | 7,909,000 | 12,167,000 | 16,309,000 |
| Noninterest expense | 9,463,000 | 17,853,000 | 26,369,000 | 34,138,000 |
| Provision for loan losses | 183,000 | 249,000 | 488,000 | 2,047,000 |
| Pretax income | 5,742,000 | 12,314,000 | 18,349,000 | 23,622,000 |
| Income tax | 1,424,000 | 3,090,000 | 4,612,000 | 5,877,000 |
| Net income | 4,318,000 | 9,224,000 | 13,737,000 | 17,745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 148,735,000 | 150,983,000 | 153,063,000 | 154,323,000 |
| Total capital | 155,873,000 | 158,204,000 | 160,216,000 | 162,610,000 |
| Risk-weighted assets | 670,354,000 | 661,917,000 | 664,291,000 | 659,792,000 |
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