Call reports 2019
CITIZENS & NORTHERN BANK — 2019
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,274,896,000 | 1,593,961,000 | 1,626,874,000 | 1,638,285,000 |
| Total loans | 825,392,000 | 1,117,814,000 | 1,141,433,000 | 1,182,989,000 |
| Allowance for loan losses | 8,256,000 | 8,200,000 | 9,257,000 | 9,836,000 |
| Securities available for sale | 344,588,000 | 349,401,000 | 349,279,000 | 332,576,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,057,244,000 | 1,291,901,000 | 1,302,218,000 | 1,259,440,000 |
| Interest-bearing deposits | 765,627,000 | 984,625,000 | 984,251,000 | 967,042,000 |
| Noninterest-bearing deposits | 291,617,000 | 307,276,000 | 317,967,000 | 292,398,000 |
| Equity capital | 169,699,000 | 224,044,000 | 226,916,000 | 228,413,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 12,978,000 | 30,028,000 | 47,204,000 | 64,398,000 |
| Interest expense | 1,350,000 | 4,170,000 | 7,051,000 | 9,934,000 |
| Net interest income | 11,628,000 | 25,858,000 | 40,153,000 | 54,464,000 |
| Noninterest income | 4,330,000 | 9,140,000 | 14,013,000 | 19,040,000 |
| Noninterest expense | 10,714,000 | 24,993,000 | 36,478,000 | 48,129,000 |
| Provision for loan losses | -957,000 | -961,000 | 197,000 | 849,000 |
| Pretax income | 6,213,000 | 10,999,000 | 17,544,000 | 24,578,000 |
| Income tax | 1,051,000 | 1,864,000 | 3,050,000 | 4,289,000 |
| Net income | 5,162,000 | 9,135,000 | 14,494,000 | 20,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 158,454,000 | 191,122,000 | 193,154,000 | 195,694,000 |
| Total capital | 167,025,000 | 199,619,000 | 202,671,000 | 205,863,000 |
| Risk-weighted assets | 806,660,000 | 1,054,607,000 | 1,080,822,000 | 1,097,714,000 |
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