Citizens & Northern Corp (CZNC)

Nasdaq: CZNC · State Commercial Banks · Wellsboro, PA · filing with the SEC since 1995

Grade4.2

◀ Past 4.8● Present 3.8▶ Future 3.7

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 6, 2026	Mar 6, 2025	Mar 11, 2024	Mar 16, 2023	Feb 22, 2022	Mar 5, 2021	Feb 20, 2020	Feb 21, 2019	Feb 15, 2018	Feb 16, 2017
For lenders
Interest and dividend income	139,217	128,078	113,504	92,647	84,501	77,160	64,771	50,328	45,863	44,098
Interest expense on deposits and borrowings	47,364	48,963	33,104	9,519	·	·	·	·	·	·
Net interest income	91,853	79,115	80,400	83,128	77,939	67,565	54,488	45,703	41,948	40,405
Provision for credit losses	6,073	2,195	186	7,255	3,661	3,913	849	584	801	1,221
Net interest income after provision	85,780	76,920	80,214	75,873	74,278	63,652	53,639	45,119	41,147	39,184
Noninterest income	30,852	29,209	24,417	24,432	25,881	24,513	19,307	20,630	16,410	16,669
Noninterest expense	87,989	74,258	74,148	67,955	62,472	64,953	49,537	39,486	36,967	34,744
Interest expense	·	·	33,104	9,519	6,562	9,595	10,283	4,625	3,915	3,693
Income before income taxes	28,643	31,871	30,483	32,350	37,687	23,212	23,409	26,263	20,590	21,109
Income tax expense	5,216	5,913	6,335	5,732	7,133	3,990	3,905	4,250	7,156	5,347
Net income including non-controlling interests	23,427	25,958	24,148	26,618	30,554	19,222	·	·	·	·
Net income	23,427	25,958	24,148	26,618	30,554	19,222	19,504	22,013	13,434	15,762
Net income to common shareholders	23,245	25,747	23,962	26,381	30,313	19,106	19,404	21,903	13,365	15,677
Earnings per share, basic	1.46	1.69	1.57	1.71	1.92	1.30	1.46	1.79	1.10	1.30
Earnings per share, diluted	·	1.69	1.57	1.71	1.92	1.30	1.46	1.79	1.10	1.30
Weighted average shares, basic	15,949,789	15,262,504	15,241,859	15,455,432	15,765,639	14,743,386	13,298,736	12,219,209	12,115,840	12,032,820^r
Weighted average shares, diluted	·	15,262,504	15,241,859	15,458,531	15,771,955	14,747,048	13,321,559	12,257,368	12,155,136	12,063,055^r

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton CZNC · research, not advice