CITIZENS & NORTHERN CORPORATION (CZNC)

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=jivedata("CZNC","financials")

Full statements spill as a table. For one cell: =jivedata("CZNC","Revenue") or =jivedata("CZNC","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.

CITIZENS & NORTHERN CORPORATION

CZNC • CIK 0000810958

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest Income, Securities, Operating, Taxable	$8,555	$8,593	$10,420	$12,814
Interest Income, Securities, Operating, Tax Exempt	$2,427	$2,260	$2,292	$2,264
Dividend Income, Equity Securities, Operating	$1,443	$4,433	$3,488	$2,389
Interest and Dividend Income, Operating	$113,504	$128,078	$139,217	$157,208
Interest Expense, Deposits	$24,233	$39,200	$39,475	$40,477
Interest Expense, Short-term Borrowings	$3,240	$1,168	$7	$619
Interest Expense, Long-term Debt	$4,230	$7,188	$6,468	$5,874
InterestExpenseOperating	—	$48,963	$47,364	$48,400
Interest Income (Expense), Net	$80,400	$79,115	$91,853	$108,808
Provision for Loan, Lease, and Other Losses	$186	$2,195	$6,073	$15,239
Interest Income (Expense), after Provision for Loan Loss	$80,214	$76,920	$85,780	$93,569
Brokerage Commissions Revenue	$1,675	$2,271	$2,313	$2,665
Gain (Loss) on Sales of Loans, Net	$723	$1,158	$1,483	$1,944
Bank Owned Life Insurance Income	$2,703	$1,830	$1,927	$2,046
Noninterest Income, Other Operating Income	$4,610	$5,230	$5,637	$6,366
Debt Securities, Available-for-sale, Realized Gain (Loss)	$-3,036	$0	$38	$65
Noninterest Income	$24,417	$29,209	$30,852	$33,697
Salary and Wage, Excluding Cost of Good and Service Sold	$44,195	$44,930	$47,386	$50,958
Occupancy, Net	$5,357	$5,473	$5,860	$6,617
Communications and Information Technology	$7,582	$7,768	$8,742	$9,388
Professional Fees	$2,497	$2,175	$2,759	$3,119
Business Combination, Separately Recognized Transactions, Additional Disclosures, Acquisition Cost Expensed	—	—	$7,940	$7,940
Other Noninterest Expense	$11,233	$10,361	$11,535	$13,943
Noninterest Expense	$74,148	$74,258	$87,989	$96,099
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$30,483	$31,871	$28,643	$31,167
Income Tax Expense (Benefit)	$6,335	$5,913	$5,216	$5,820
Net Income (Loss) Attributable to Parent	$24,148	$25,958	$23,427	$25,347

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Due from Banks	$24,855	$21,110	$22,289	$25,947
Interest-bearing Deposits in Banks and Other Financial Institutions	$32,023	$105,064	$23,767	$56,590
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$415,755	$402,380	$506,575	$496,829
Cash and Cash Equivalents, at Carrying Value	$56,878	$126,174	$46,056	$82,537
FinancingReceivableExcludingAccruedInterestBeforeAllowanceForCreditLoss	$1,848,139	$1,895,848	$2,354,365	$2,348,847
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestCurrent	$19,208	$20,035	$31,048	$32,583
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$1,828,931	$1,875,813	$2,323,317	$2,316,264
Bank Owned Life Insurance	$63,674	$51,214	$61,094	$62,136
Accrued Investment Income Receivable	$9,140	$8,735	$11,594	$10,941
Property, Plant and Equipment, Net	$21,632	$21,338	$27,755	$26,712
Repossessed Assets	$478	$181	$189	$181
Deferred Income Tax Assets, Net	$17,441	$19,098	$17,615	$18,617
Goodwill	$52,505	$52,505	$63,311	$63,311
Finite-Lived Intangible Assets, Net	$2,469	$2,080	$11,573	$9,944
Other Assets	$46,681	$51,135	$63,390	$64,512
Assets	$2,515,584	$2,610,653	$3,132,469	$3,151,984
Short-term Debt	$33,874	$2,488	$28,618	$14,643
Long-term Federal Home Loan Bank Advances	$138,337	$165,451	$120,935	$130,392
Senior Notes	$14,831	$14,899	$14,970	$0
Subordinated Debt	$24,717	$24,831	$24,949	$25,000
Other Liabilities	$26,638	$33,791	$36,567	$32,075
Liabilities	$2,253,203	$2,335,369	$2,790,755	$2,805,845
Common Stock, Value, Outstanding	$16,030	$16,030	$18,303	$18,303
Additional Paid in Capital	$144,388	$143,565	$185,696	$184,340
Retained Earnings (Accumulated Deficit)	$157,028	$165,778	$171,214	$175,519
Treasury Stock, Value	$16,628	$13,328	$10,704	$8,062
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-38,437	$-36,761	$-22,795	$-23,961
Stockholders' Equity Attributable to Parent	$262,381	$275,284	$341,714	$346,139
Noninterest-bearing Deposit Liabilities, Domestic	$490,554	$486,566	$531,442	$557,892
Interest-bearing Deposit Liabilities, Domestic	$1,524,252	$1,607,343	$2,033,274	$2,045,843
Deposits	$2,014,806	$2,093,909	$2,564,716	$2,603,735
Preferred Stock, Shares Authorized	30,000	30,000	30,000	30,000
Preferred Stock, Shares Issued	0	0	0	0
Common Stock, Shares Authorized	30,000,000	30,000,000	30,000,000	30,000,000
Common Stock, Shares, Issued	16,030,172	16,030,172	18,303,120	18,303,120
Common Stock, Shares, Outstanding	15,295,135	15,433,494	17,823,444	17,942,105
Treasury Stock, Common, Shares	735,037	596,678	479,676	361,015

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$24,148	$25,958	$23,427	$25,347
Net Cash Provided by (Used in) Operating Activities	$33,548	$33,035	$32,003	$45,985
Provision for Loan, Lease, and Other Losses	$186	$2,195	$6,073	$15,239
Cash Acquired in Excess of Payments to Acquire Business	—	—	$5,826	$5,826
Gain (Loss) on Sale of Investments	$-3,036	$0	$38	$65
Accretion (Amortization) of Discounts and Premiums, Investments	$-2,062	$-1,645	$-1,380	$-1,361
Proceeds from Sale of Debt Securities, Available-for-sale	$60,819	$0	$143,197	$143,197
Bank Owned Life Insurance Income	$2,703	$1,830	$1,927	$2,046
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$52,323	$39,188	$50,778	$59,429
Depreciation, Depletion and Amortization	$2,151	$2,183	$2,363	$2,624
Payments to Acquire Debt Securities, Available-for-sale	$23,414	$25,788	$134,037	$138,449
Deferred Income Tax Expense (Benefit)	$836	$-1,504	$2,718	$2,006
Payments to Acquire Federal Home Loan Bank Stock	$6,252	$47	$1,338	$1,374
Mortgage Servicing Rights (MSR) Impairment (Recovery)	$200	$164	$258	$420
Payments for (Proceeds from) Loans and Leases	$107,356	$48,697	$65,800	$45,482
Gain (Loss) on Sales of Loans, Net	$723	$1,158	$1,483	$1,944
Proceeds from Life Insurance Policy	$363	$14,290	$0	$0
Payments for Origination of Mortgage Loans Held-for-sale	$24,630	$37,841	$47,587	$67,965
Payment to Acquire Life Insurance Policy, Investing Activities	$30,000	$0	$0	$0
Proceeds from Sale of Mortgage Loans Held-for-sale	$25,106	$36,810	$49,558	$68,376
Payments to Acquire Property, Plant, and Equipment	$2,265	$1,906	$1,905	$1,216
Increase (Decrease) in Other Operating Assets	$1,400	$3,014	$755	$-3,653
Proceeds from Sale of Foreclosed Assets	$267	$293	$346	$346
Increase (Decrease) in Other Operating Liabilities	$4,161	$7,992	$-3,300	$-2,726
Payments for (Proceeds from) Other Investing Activities	$-109	$-33	$-42	$-61
Other Operating Activities, Cash Flow Statement	$-66	$194	$120	$97
Net Cash Provided by (Used in) Investing Activities	$-53,202	$-20,938	$196	$23,354
Increase (Decrease) in Deposits	$17,234	$79,107	$-30,370	$-7,144
Proceeds from (Repayments of) Short-term Debt	$-46,188	$-31,386	$-19,670	$-31,690
Proceeds from Long-term Lines of Credit	$85,436	$59,386	$0	$33,054
Repayments of Long-term Lines of Credit	$9,395	$32,249	$44,516	$46,556
Payments of Ordinary Dividends, Common Stock	$15,569	$15,530	$16,293	$17,615
Net Cash Provided by (Used in) Financing Activities	$24,734	$58,699	$-111,067	$-85,171
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	$5,080	$70,796	$-78,868	$-78,868
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	—	$123,574	$44,706	$-13,984
Real Estate Owned, Transfer to Real Estate Owned	$423	$0	$231	$0
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	$0	$187	$1,126	$58
Interest Paid, Excluding Capitalized Interest, Operating Activities	$31,936	$48,563	$49,049	$49,862
Income Taxes Paid	$6,383	$4,839	$8,795	$4,043

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Import this data to Google Sheets with:

=jivedata("CZNC","financials")

Full statements spill as a table. For one cell: =jivedata("CZNC","Revenue") or =jivedata("CZNC","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.