Call reports 2024
CITIZENS & NORTHERN BANK — 2024
What CITIZENS & NORTHERN BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 2,507,817,000 | 2,579,229,000 | 2,656,955,000 | 2,598,537,000 |
| Total loans | 1,873,068,000 | 1,894,908,000 | 1,896,235,000 | 1,898,333,000 |
| Allowance for loan losses | 20,023,000 | 20,382,000 | 20,442,000 | 20,035,000 |
| Securities available for sale | 392,666,000 | 389,469,000 | 396,479,000 | 391,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,012,167,000 | 2,074,806,000 | 2,152,136,000 | 2,111,547,000 |
| Interest-bearing deposits | 1,503,246,000 | 1,558,858,000 | 1,624,166,000 | 1,608,955,000 |
| Noninterest-bearing deposits | 508,921,000 | 515,948,000 | 527,970,000 | 502,592,000 |
| Equity capital | 271,763,000 | 273,671,000 | 287,447,000 | 285,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 30,245,000 | 61,476,000 | 94,460,000 | 127,693,000 |
| Interest expense | 10,953,000 | 22,491,000 | 35,079,000 | 47,593,000 |
| Net interest income | 19,292,000 | 38,985,000 | 59,381,000 | 80,100,000 |
| Noninterest income | 6,680,000 | 14,530,000 | 21,628,000 | 29,204,000 |
| Noninterest expense | 18,054,000 | 37,071,000 | 55,132,000 | 73,350,000 |
| Provision for loan losses | 960,000 | 1,526,000 | 2,823,000 | 2,430,000 |
| Pretax income | 6,955,000 | 14,912,000 | 23,169,000 | 33,751,000 |
| Income tax | 1,304,000 | 2,821,000 | 4,413,000 | 6,507,000 |
| Net income | 5,651,000 | 12,091,000 | 18,756,000 | 27,244,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 257,180,000 | 259,762,000 | 262,568,000 | 267,231,000 |
| Total capital | 277,887,000 | 280,826,000 | 283,604,000 | 287,721,000 |
| Risk-weighted assets | 1,880,874,000 | 1,903,625,000 | 1,895,377,000 | 1,894,587,000 |
Machine access — free, no API key
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