← CITIZENS & NORTHERN CORP
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Noninterest income: | ||||||||||||
| Interest Income (Expense), Net | $40.4m |
$41.9m
+3.82%
|
$45.7m
+8.95%
|
$54.5m
+19.22%
|
$67.6m
+24.00%
|
$77.9m
+15.35%
|
$83.1m
+6.66%
|
$80.4m
-3.28%
|
$79.1m
-1.60%
|
$91.9m
+16.10%
|
$157.2m
+71.15%
|
|
| Amortization of Intangible Assets | $13k | $5k | $3k | $223k | $540k | $535k | $439k | $408k | $389k | $1.2m | — | |
| Operating Lease, Expense | — | — | — | — | $371k | $492k | $599k | $644k | $666k | $792k | — | |
| Noninterest expense: | ||||||||||||
| Interest expense: | ||||||||||||
| Total interest expense | $3.7m | $3.9m | $4.6m | $10.3m | $9.6m | $6.6m | $9.5m | $33.1m | $49.0m | $47.4m | — | |
| Equity Securities, FV-NI, Realized Gain (Loss) | — | — | $2.3m | $0 | — | — | — | — | — | — | — | |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | — | — | — | — | — | $37.7m | $32.4m | $30.5m | $31.9m | $28.6m | $31.2m | |
| Current Income Tax Expense (Benefit) | $5.3m | $4.9m | $4.3m | $3.6m | $4.2m | $8.4m | $6.0m | $5.5m | $7.4m | — | $5.8m | |
| Income Tax Expense (Benefit) | $5.3m | $7.2m | $4.2m | $3.9m | $4.0m | $7.1m | $5.7m | $6.3m | $5.9m | $5.2m | $5.8m | |
| Net Income (Loss) Attributable to Parent | $15.8m |
$13.4m
-14.77%
|
$22.0m
+63.86%
|
$19.5m
-11.40%
|
$19.2m
-1.45%
|
$30.6m
+58.95%
|
$26.6m
-12.88%
|
$24.1m
-9.28%
|
$26.0m
+7.50%
|
$23.4m
-9.75%
|
$25.3m
+7.85%
|
|
| Net Income (Loss) Available to Common Stockholders, Basic | $15.8m |
$13.4m
-15.21%
|
$21.9m
+63.88%
|
$19.4m
-11.41%
|
$19.1m
-1.54%
|
$30.3m
+58.66%
|
$26.4m
-12.97%
|
$24.0m
-9.17%
|
$25.7m
+7.45%
|
$23.2m
-9.72%
|
$25.3m
+8.69%
|
|
| Undistributed Earnings (Loss) Allocated to Participating Securities, Basic | — | $69k | $110k | $100k | $116k | $241k | $237k | $186k | $211k | $182k | — | |
| Earnings Per Share, Basic | $1.30 | $1.10 | $1.79 | $1.46 | $1.30 | $1.92 | $1.71 | $1.57 | $1.69 | $1.46 | $1.47 | |
| Earnings Per Share, Diluted | $1.30 | $1.10 | $1.79 | $1.46 | $1.30 | $1.92 | $1.71 | $1.57 | $1.69 | $1.46 | $1.47 | |
| Weighted Average Number of Shares Outstanding, Basic | 12.1m | 12.1m | 12.2m | 13.3m | 14.7m | 15.8m | 15.5m | 15.2m | 15.3m | 15.9m | 17.2m | |
| Weighted Average Number of Shares Outstanding, Diluted | 12.1m | 12.2m | 12.3m | 13.3m | 14.7m | 15.8m | 15.5m | 15.2m | 15.3m | — | 17.2m | |
| Additional Financial Items | ||||||||||||
| Bank Owned Life Insurance Income | $382k | $379k | $394k | $402k | $515k | $573k | $545k | $2.7m | $1.8m | $1.9m | — | |
| Equipment Expense | $1.7m | $1.8m | $1.2m | $1.3m | $1.5m | — | — | — | — | — | — | |
| Business Combination, Acquisition Related Costs | — | — | — | $4.1m | $7.7m | $0 | $0 | — | — | — | — | |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | — | — | — | — | — | — | — | — | $2.4m | $5.6m | — | |
| Goodwill, Impairment Loss | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | — |