CITIZENS & NORTHERN CORP

CZNC · XNAS

CIK 810958fmd_1W24NW6T6P35MPSG0V8ZTZ4A2JFinance, Insurance and Real Estate · State Commercial BanksTemplate: Financials

Coverage: Jan 01, 2009 to Sep 30, 2026, 67 periods

Income Statement · Annual · Millions · USD
Line item	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Total interest income	44	46	50	65	77	85	93	114	128	139
Total revenues	57	58	66	74	92	104	108	105	108	123
Net interest income	40	42	46	54	68	78	83	80	79	92
Commissions and fees	1	1	1	1	1	2	2	2	2	2
Provision for credit losses	1	1	1	1	4	4	7	0	2	6
Realized investment gains (losses)	–	–	–	–	–	–	–	–	–	–
Net interest income after provision	39	41	45	54	64	74	76	80	77	86
Asset management and advisory fees	5	5	–	–	–	–	–	–	–	–
Non-interest income	17	16	21	19	25	26	24	24	29	31
Non-interest expense	35	37	39	50	65	62	68	74	74	88
Interest expense	4	4	5	10	10	7	10	33	49	47
Income before taxes	21	21	26	23	23	38	32	30	32	29
Income tax expense	5	7	4	4	4	7	6	6	6	5
Net income from continuing operations	16	13	22	20	19	31	27	24	26	23
Net income	16	13	22	20	19	31	27	24	26	23
Net income to common shareholders	16	13	22	19	19	30	26	24	26	23