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Balance Sheet
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Income Overview
Revenue
$1,761K
Net Income
$14,057K
Net Profit Margin
798.24%
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Revenue-Deposit Account
1,761
1,650
1,471
1,422
Revenue-Debit Card
1,347
1,267
1,137
1,218
Revenue-Bank Servicing
193
108
107
173
Trust revenue
2,242
2,085
2,056
1,967
Brokerage and insurance revenue
816
588
490
554
Net gains from sale of loans
608
370
408
312
Increase in cash surrender value of life insurance
527
515
477
466
Other noninterest income
2,305
1,586
1,158
2,030
Realized gains on available-for-sale debt securities, net
1
26
-
-
Total noninterest income
9,800
8,195
7,304
8,142
And Fee Income Loans
36,583
35,641
29,085
28,051
On Loans To Political Subdivisions
629
619
590
602
Income Securities
3,507
3,518
2,390
2,329
Income Securities Tax Exempt
562
562
568
579
Other interest and dividend income
285
248
1,017
893
Total interest and dividend income
41,566
40,588
33,650
32,454
Interest on deposits
9,820
10,058
9,456
9,284
Interest on short-term borrowings
337
276
0
1
Interest on long-term borrowings - fhlb advances
1,423
1,446
1,577
1,674
Interest on senior notes, net
81
121
121
120
Interest on subordinated debt, net
287
233
233
233
Total interest expense
11,948
12,134
11,387
11,312
Net interest income
29,618
28,454
22,263
21,142
Credit (provision) for credit losses
-1,846
13,602
2,163
2,354
Net interest income after (credit) provision for credit losses
31,464
14,852
20,100
18,788
Salaries and employee benefits
13,197
13,201
11,293
11,067
Net occupancy and equipment expense
1,728
1,891
1,336
1,403
Data processing and telecommunications expense
2,249
2,449
1,939
1,981
Merger-related expenses
-
-
882
167
Automated teller machine and interchange expense
535
583
529
403
Pennsylvania shares tax
587
585
469
470
Professional fees
744
639
445
506
Merger-related expenses
0
-
-
-
Other noninterest expense
4,799
3,364
2,496
3,401
Total noninterest expense
23,839
22,712
19,389
19,398
Income before income tax provision
17,425
335
8,015
7,532
Income tax provision
3,368
62
1,464
1,415
Net income
14,057
273
6,551
6,117
Basic EPS
0.79
0.02
0.42
0.4
Diluted EPS
-
0.02
0.42
0.4
Basic Average Shares
17,771,901
17,732,537
15,398,262
15,359,004
Diluted Average Shares
-
17,732,537
15,398,262
15,359,004
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
And Fee Income Loans
$36,583K
(30.42%↑ Y/Y)
Income Securities
$3,507K
(50.58%↑ Y/Y)
On Loans To
Political Subdivisions
$629K
(4.49%↑ Y/Y)
Income Securities Tax
Exempt
$562K
(-2.94%↓ Y/Y)
Other interest and
dividend income
$285K
(-68.09%↓ Y/Y)
Total interest and
dividend income
$41,566K
(28.08%↑ Y/Y)
Net interest income
$29,618K
(40.09%↑ Y/Y)
Credit (provision) for
credit losses
-$1,846K
(-178.42%↓ Y/Y)
Other noninterest
income
$2,305K
(13.55%↑ Y/Y)
Trust revenue
$2,242K
(13.98%↑ Y/Y)
Revenue-Deposit Account
$1,761K
(23.84%↑ Y/Y)
Revenue-Debit Card
$1,347K
(10.59%↑ Y/Y)
Brokerage and insurance
revenue
$816K
(47.29%↑ Y/Y)
Net gains from sale
of loans
$608K
(94.87%↑ Y/Y)
Increase in cash
surrender value of life...
$527K
(13.09%↑ Y/Y)
Revenue-Bank Servicing
$193K
(11.56%↑ Y/Y)
Realized gains on
available-for-sale debt...
$1K
Total interest
expense
$11,948K
(5.62%↑ Y/Y)
Net interest income
after (credit)...
$31,464K
(67.47%↑ Y/Y)
Total noninterest
income
$9,800K
(20.36%↑ Y/Y)
Interest on deposits
$9,820K
(5.77%↑ Y/Y)
Interest on long-term
borrowings - fhlb advances
$1,423K
(-14.99%↓ Y/Y)
Interest on short-term
borrowings
$337K
(33600.00%↑ Y/Y)
Interest on subordinated
debt, net
$287K
(23.18%↑ Y/Y)
Interest on senior notes,
net
$81K
(-32.50%↓ Y/Y)
Income before income
tax provision
$17,425K
(131.35%↑ Y/Y)
Total noninterest
expense
$23,839K
(22.89%↑ Y/Y)
Net income
$14,057K
(129.80%↑ Y/Y)
Income tax provision
$3,368K
(138.02%↑ Y/Y)
Salaries and employee
benefits
$13,197K
(19.25%↑ Y/Y)
Other noninterest
expense
$4,799K
(41.11%↑ Y/Y)
Data processing and
telecommunications expense
$2,249K
(13.53%↑ Y/Y)
Net occupancy and
equipment expense
$1,728K
(23.16%↑ Y/Y)
Professional fees
$744K
(47.04%↑ Y/Y)
Pennsylvania shares tax
$587K
(24.89%↑ Y/Y)
Automated teller machine
and interchange...
$535K
(32.75%↑ Y/Y)
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CITIZENS & NORTHERN CORP (CZNC)
CITIZENS & NORTHERN CORP (CZNC)