Citizens & Northern Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	151.11	126.51	117.23	102.52	81.29	76.7
Interest Income on Investments	14.73	12.71	10.85	10.98	11.36	7.8
Total Interest Income	165.83	139.22	128.08	113.5	92.65	84.5
Interest Paid on Deposits	41.19	39.48	39.2	24.23	6.64	4.54
Interest Paid on Borrowings	7.9	7.89	9.76	8.87	2.88	2.02
Total Interest Expense	49.08	47.36	48.96	33.1	9.52	6.56
Net Interest Income	116.75	91.85	79.12	80.4	83.13	77.94
Net Interest Income Growth	39.23%	16.10%	-1.60%	-3.28%	6.66%	15.35%
Trust Income	8.6	8.21	7.93	7.41	6.99	7.23
Gain (Loss) on Sale of Investments	0.07	0.04	-	-3.04	0.02	0.02
Other Non-Interest Income	17.97	15.14	14.26	13.75	11.64	10.56
Total Non-Interest Income	35.75	30.85	29.21	24.42	24.43	25.88
Non-Interest Income Growth	19.15%	5.63%	19.63%	-0.06%	-5.60%	5.58%
Revenues Before Loan Losses	152.5	122.71	108.32	104.82	107.56	103.82
Provision for Loan Losses	9.91	6.07	2.2	0.19	7.26	3.66
Revenue	142.59	116.63	106.13	104.63	100.31	100.16
Revenue Growth	30.06%	9.90%	1.43%	4.31%	0.15%	13.60%
Salaries and Employee Benefits	50.47	45.37	42.77	41.48	39.4	35.35
Occupancy Expenses	6.2	5.07	4.81	4.71	4.93	4.49
Selling, General & Administrative	15.84	14.31	12.77	13.44	11.84	10.89
Other Non-Interest Expense	19.64	15.3	13.91	14.52	11.78	11.74
Total Non-Interest Expense	92.15	80.05	74.26	74.15	67.96	62.47
EBT Excluding Unusual Items	50.45	36.58	31.87	30.48	32.35	37.69
Pretax Income	43.55	28.64	31.87	30.48	32.35	37.69
Income Tax Expense	8.47	5.22	5.91	6.34	5.73	7.13
Net Income	35.08	23.43	25.96	24.15	26.62	30.55
Preferred Dividends & Other Adjustments	0.18	0.18	0.21	0.19	0.24	0.24
Net Income to Common	34.9	23.25	25.75	23.96	26.38	30.31
Net Income Growth	29.68%	-9.72%	7.45%	-9.17%	-12.97%	58.66%
Basic Shares Outstanding	18	16	15	15	15	16
Diluted Shares Outstanding	18	16	15	15	15	16
Shares Change	15.60%	4.50%	0.14%	-1.40%	-1.99%	6.95%
EPS (Basic)	1.97	1.46	1.69	1.57	1.71	1.92
EPS (Diluted)	1.97	1.46	1.69	1.57	1.71	1.92
EPS Growth	12.18%	-13.61%	7.45%	-8.02%	-11.10%	48.16%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.120	1.120	1.120	1.120	1.120	1.120
Dividend Growth	0%	0%	0%	0%	0%	3.70%
Effective Tax Rate	19.45%	18.21%	18.55%	20.78%	17.72%	18.93%

SEC Filings: 10-K · 10-Q