Call reports 2014
CITIZENS & NORTHERN BANK — 2014
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,221,618,000 | 1,242,423,000 | 1,242,858,000 | 1,228,210,000 |
| Total loans | 625,951,000 | 621,614,000 | 629,827,000 | 630,545,000 |
| Allowance for loan losses | 8,343,000 | 7,267,000 | 7,449,000 | 7,336,000 |
| Securities available for sale | 471,551,000 | 500,041,000 | 496,659,000 | 505,718,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 964,350,000 | 981,839,000 | 993,213,000 | 978,232,000 |
| Interest-bearing deposits | 751,104,000 | 770,514,000 | 772,550,000 | 756,146,000 |
| Noninterest-bearing deposits | 213,246,000 | 211,325,000 | 220,663,000 | 222,086,000 |
| Equity capital | 168,757,000 | 172,859,000 | 161,894,000 | 164,551,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 11,298,000 | 22,776,000 | 34,244,000 | 45,629,000 |
| Interest expense | 1,288,000 | 2,578,000 | 3,865,000 | 5,123,000 |
| Net interest income | 10,010,000 | 20,198,000 | 30,379,000 | 40,506,000 |
| Noninterest income | 3,708,000 | 7,685,000 | 11,523,000 | 15,509,000 |
| Noninterest expense | 8,415,000 | 16,653,000 | 25,593,000 | 33,992,000 |
| Provision for loan losses | -311,000 | 135,000 | 353,000 | 476,000 |
| Pretax income | 5,645,000 | 11,155,000 | 16,487,000 | 22,288,000 |
| Income tax | 1,410,000 | 2,812,000 | 4,127,000 | 5,613,000 |
| Net income | 4,235,000 | 8,343,000 | 12,360,000 | 16,675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 155,928,000 | 157,307,000 | 147,508,000 | 149,055,000 |
| Total capital | 163,953,000 | 164,602,000 | 154,986,000 | 156,420,000 |
| Risk-weighted assets | 639,111,000 | 639,548,000 | 646,238,000 | 643,026,000 |
Machine access — free, no API key
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