Citizens & Northern Corp Income Statement

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Income Statement Dec2009 Dec2010 Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Revenue & Cost
Provisions 0.68M1.19M-0.28M0.29M2.05M0.48M0.84M1.22M0.80M0.58M0.85M3.91M3.66M7.25M0.75M2.43M
Revenue -27.30M57.54M63.85M66.67M61.32M57.41M58.26M57.07M5.40M5.84M6.11M4.23M4.63M5.02M5.57M5.87M
Interest income
Interest income - Loans 45.24M44.16M43.18M40.45M35.48M32.13M31.31M32.83M34.91M38.67M
Interest income - Investments 0.59M0.25M0.26M0.30M0.29M0.31M0.28M0.07M12.02M12.80M24.60M38.51M20.20M19.48M19.41M17.34M
Interest Income - Debt Securities 15.93M11.09M11.04M9.03M6.81M7.72M7.30M5.85M5.48M6.19M7.01M8.16M8.36M8.36M11.23M10.36M
Interest Income - Deposits 0.06M0.12M0.07M0.11M0.10M0.12M0.09M0.12M0.19M0.41M0.51M0.25M
Interest Income - Fed Funds 0.01M
Interest Income - Trading Account Assets 0.04M0.00M
Interest Income - Total 67.98M62.11M61.26M56.63M48.91M46.01M44.52M44.10M45.86M50.33M64.77M77.16M84.50M92.65M113.50M128.08M
Interest expenses
Interest Expense - Deposits 14.65M11.91M8.11M4.81M2.70M2.16M1.92M2.08M2.40M3.70M8.19M7.23M4.54M6.64M24.23M39.20M
Interest Expense - Debt 9.26M7.16M5.42M4.21M3.05M2.95M2.65M1.45M1.30M0.56M1.01M1.29M1.31M1.08M4.23M7.19M
Interest Expenses 24.46M19.25M13.56M9.03M5.76M5.12M4.60M3.69M3.92M4.62M10.28M9.60M6.56M9.52M33.10M48.96M
Interest Income - Net 43.52M42.87M47.70M47.60M43.15M40.89M39.92M40.41M41.95M45.70M54.49M67.56M77.94M83.13M80.40M79.11M
Non-interest income
Interest Income - Total 42.84M41.68M47.98M47.31M41.10M40.41M39.07M39.18M41.15M45.12M53.64M63.65M74.28M75.87M80.21M76.92M
Financial Services Fees 0.80M0.86M3.47M3.85M4.09M4.49M4.63M4.76M0.80M1.02M1.27M1.49M1.86M2.29M1.68M2.27M
Service Charges 4.79M4.58M4.77M5.32M5.25M5.03M4.86M4.70M4.49M
Investment Gain (Loss) 0.26M-0.29M0.02M0.17M0.02M0.02M-3.04M
Investment Banking Income 0.11M0.76M1.11M2.02M1.97M0.77M0.73M1.03M0.82M0.68M0.92M5.40M3.43M0.76M0.72M1.16M
Income - Trust 6.32M7.23M6.99M7.41M7.93M
Asset Management 3.26M3.48M3.47M3.85M
Card Income 1.94M1.94M1.96M1.94M1.94M2.22M
Other Non-Interest Income 2.09M1.77M1.96M1.22M1.21M2.14M1.27M1.30M1.27M2.15M1.88M3.35M3.58M4.25M4.61M0.64M
Non-Interest Income -70.82M14.67M16.15M19.07M18.17M16.52M18.34M16.67M16.41M20.63M19.31M24.51M25.88M24.43M24.42M29.21M
Operating Items
Amortization - Intangibles 4.44M4.83M5.16M5.08M4.79M4.31M3.84M3.43M3.21M2.78M2.01M2.14M2.68M3.00M2.43M2.26M
Depreciation & Amortization - Total 2.68M2.10M1.93M1.89M1.95M1.86M1.86M1.73M1.30M1.20M1.29M1.45M
Research & Development 2.41M2.75M3.40M5.32M5.90M6.81M7.58M7.77M
Wages, Salaries and Other 12.74M13.06M13.87M14.37M14.21M15.12M14.68M15.41M15.81M17.19M20.64M33.06M37.60M41.83M44.20M44.93M
Rent Expense 2.74M2.65M2.64M2.48M2.47M2.63M2.57M2.34M2.34M2.50M2.63M4.46M4.98M5.53M5.36M5.47M
Pension (IS) 3.96M3.84M4.41M4.50M4.15M4.77M4.42M4.72M5.35M5.26M5.84M7.46M
Restructuring Costs 0.33M4.10M7.71M
Other Operating Expenses 28.59M26.74M27.49M30.88M30.07M29.67M31.17M30.67M30.92M25.03M23.60M46.02M51.59M55.62M61.21M61.02M
Operating Expenses 34.01M31.49M32.06M35.25M34.49M34.16M35.60M34.74M36.97M39.49M49.54M64.95M62.47M67.95M74.15M74.26M
Operating Income 8.70M11.23M10.90M8.67M7.97M7.63M7.39M7.21M5.51M4.92M4.88M7.91M6.79M6.40M6.69M
EBIT -37.53M8.70M11.23M10.90M8.67M7.97M7.63M7.39M7.21M5.51M4.92M4.88M7.91M6.79M6.40M6.69M
Non-operating items
Other Non Operating Income 0.17M0.13M-2.33M-1.02M-2.57M0.04M0.04M
Non Operating Income 9.95M11.83M15.78M16.02M
Net income details
EBT -61.99M24.86M32.08M31.13M24.78M22.78M21.81M21.11M20.59M26.26M23.41M23.21M37.69M32.35M30.48M31.87M
Tax Provisions -22.66M5.80M8.71M8.43M6.18M5.69M5.34M5.35M7.16M4.35M3.90M3.99M7.13M5.73M6.33M5.91M
Profit After Tax -39.34M19.05M23.37M22.70M18.59M17.09M16.47M15.76M13.43M22.01M19.50M19.22M30.55M26.62M24.15M25.96M
Equity Income 11.94M-15.61M13.56M7.59M-5.41M5.14M1.17M1.65M9.89M-4.01M
Income from Continuing Operations -39.34M19.05M23.37M22.70M18.59M17.09M16.47M15.76M13.43M21.91M19.50M19.22M30.55M26.62M24.15M25.96M
Consolidated Net Income -39.34M19.05M23.37M22.70M18.59M17.09M16.47M15.76M13.43M21.91M19.50M19.22M30.55M26.62M24.15M25.96M
Income towards Parent Company -39.34M19.05M23.37M22.70M18.59M17.09M16.47M15.76M13.43M21.91M19.50M19.22M30.55M26.62M24.15M25.96M
Preferred Dividend Payments 1.43M1.47M
Net Income towards Common Stockholders -40.76M17.58M23.37M22.70M18.59M17.09M16.39M15.68M13.37M21.90M19.40M19.11M30.31M26.38M23.96M25.75M
Additional items
EPS (Basic) -4.401.451.921.861.511.381.351.301.101.791.461.301.921.711.571.69
EPS (Weighted Average and Diluted) 1.451.921.851.501.381.351.301.101.791.461.301.921.711.571.69
Shares Outstanding (Weighted Average) 12.14M12.14M12.26M12.37M12.29M12.18M12.09M12.20M12.30M13.70M15.89M15.75M15.50M15.27M15.41M
Tax Rate 36.55%23.34%27.16%27.07%24.95%24.99%24.47%25.33%34.75%16.56%16.68%17.19%18.93%17.72%20.78%18.55%