Citizens & Northern Income Statement (2017-2025) | CZNC

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Income Statement	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025
Revenue & Cost
Provisions	0.45M	0.00M	0.32M	0.02M	0.29M	-0.02M	0.06M	0.25M	-0.96M	-0.00M	1.16M	0.65M	1.53M	-0.18M	1.94M	0.62M	0.26M	0.74M	1.53M	1.13M	0.89M	0.31M	3.79M	2.26M	-0.35M	0.84M	-1.23M	1.52M	0.96M	0.57M	1.30M	-0.39M	0.24M	2.35M	2.16M
Revenue	1.18M	1.50M	1.29M	1.43M	1.42M	1.53M	1.43M	1.46M	1.36M	1.58M	1.48M	1.68M	1.48M	1.56M	1.59M	-0.41M	1.63M	1.81M	1.82M	-0.62M	1.79M	1.72M	1.74M	-0.23M	1.29M	1.39M	1.44M	1.45M	1.32M	1.47M	1.55M	1.53M	1.44M	1.42M	1.47M
Interest income
Interest income - Loans	8.37M	8.61M	8.89M	9.04M	9.20M	9.57M	9.75M	10.14M	9.95M				0.11M	0.00M	0.01M
Interest income - Investments	0.01M	0.01M	0.01M	12.01M
Interest Income - Debt Securities	1.44M	1.35M	1.33M	9.40M	1.36M	1.41M	1.62M	1.82M	1.83M	1.83M	1.73M	1.62M	2.11M	1.90M	2.09M	2.06M	2.75M	1.75M	1.85M	2.00M	1.97M	2.43M	2.14M	2.05M	2.51M	3.36M	2.58M	2.79M	2.14M	3.44M	2.64M	2.42M	2.35M	3.40M	2.50M
Interest Income - Deposits	0.03M	0.04M	0.07M	0.05M	0.05M	0.10M	0.17M	0.10M	0.12M	0.15M	0.16M	0.09M	0.08M	0.04M	0.07M	0.06M
Interest Income - Total	11.11M	11.34M	11.63M	11.79M	11.89M	12.33M	12.80M	13.30M	13.06M	17.14M	17.28M	17.29M	17.04M	16.51M	21.75M	21.86M	21.75M	20.43M	21.07M	21.25M	21.77M	21.31M	23.71M	25.86M	26.14M	28.01M	29.12M	30.24M	30.34M	31.33M	33.09M	33.33M	31.71M	32.45M	33.65M
Interest expenses
Interest Expense - Deposits	0.52M	0.57M	0.64M	0.67M	0.73M	0.88M	1.03M	1.06M	1.05M	2.36M	2.46M	2.31M	2.15M	1.78M	1.79M	1.50M	1.28M	1.22M	1.06M	0.98M	0.91M	1.13M	1.97M	2.63M	3.23M	5.10M	7.26M	8.64M	8.89M	9.31M	10.41M	10.58M	9.59M	9.28M	9.46M
Interest Expense - Debt	0.35M	0.36M	0.34M	0.25M	0.20M	0.12M	0.17M	0.20M	0.22M	0.23M	0.28M	0.29M	0.29M	0.31M	0.36M	0.32M	0.24M	0.36M	0.35M	0.36M	0.36M	0.26M	0.33M	0.23M	1.10M	1.14M	1.16M	1.31M	1.46M	1.85M	1.98M	1.89M	1.79M	1.67M	1.58M
Interest Expenses	0.95M	0.98M	0.98M	1.00M	0.99M	1.08M	1.24M	1.31M	1.35M	2.93M	3.00M	3.00M	2.75M	2.27M	2.47M	2.10M	1.67M	1.75M	1.61M	1.53M	1.44M	1.68M	2.83M	3.56M	5.36M	7.65M	9.46M	10.64M	11.29M	11.88M	12.93M	12.86M	11.73M	11.31M	11.39M
Interest Income - Net	10.16M	10.36M	10.64M	10.79M	10.90M	11.26M	11.56M	11.99M	11.71M	14.21M	14.28M	14.29M	14.28M	14.25M	19.28M	19.75M	20.08M	18.68M	19.46M	19.72M	20.33M	19.62M	20.88M	22.29M	20.78M	20.36M	19.66M	19.59M	19.04M	19.45M	20.16M	20.47M	19.98M	21.14M	22.26M
Non-interest income
Interest Income - Total	9.71M	10.36M	10.32M	10.76M	10.61M	11.28M	11.50M	11.74M	12.67M	14.21M	13.12M	13.64M	12.75M	14.42M	17.34M	19.14M	19.82M	17.94M	17.93M	18.59M	19.44M	19.32M	17.09M	20.03M	21.13M	19.55M	20.89M	18.64M	18.09M	18.88M	18.95M	21.00M	19.74M	18.79M	20.10M
Financial Services Fees	0.16M	0.21M	0.19M	0.25M	0.21M	0.27M	0.23M	0.30M	0.31M	0.36M	0.33M	0.27M	0.35M	0.38M	0.38M	0.36M	0.33M	0.51M	0.56M	0.47M	0.52M	0.57M	0.70M	0.51M	0.43M	0.36M	0.39M	0.49M	0.54M	0.53M	0.52M	0.68M	0.50M	0.55M	0.49M
Service Charges	1.08M	1.09M	1.17M	1.14M
Investment Gain (Loss)	0.14M	0.11M	0.01M			-0.28M	-0.00M	-0.00M		0.01M	0.01M	0.00M			0.03M	0.14M		0.00M	0.02M	-0.00M	0.00M	-0.00M	0.02M	-0.00M	0.01M	-0.00M		-3.04M
Investment Banking Income	0.17M	0.19M	0.30M	0.17M	0.18M	0.17M	0.16M	0.17M	0.09M	0.22M	0.31M	0.31M	0.32M	1.56M	2.05M	1.47M	1.06M	0.93M	0.80M	0.64M	0.38M	0.22M	0.13M	0.02M	0.07M	0.14M	0.24M	0.27M	0.19M	0.23M	0.36M	0.37M	0.20M	0.31M	0.41M
Income - Trust																									1.78M	1.80M	1.92M	1.91M	1.90M	2.01M	1.95M	2.07M	2.10M	1.97M	2.06M
Card Income	0.52M	0.57M	0.56M	0.57M
Other Non-Interest Income	0.46M	0.27M	0.29M	0.26M	0.45M	0.53M	0.36M	0.81M	0.53M	0.44M	0.47M	0.44M	1.06M	0.53M	2.25M	0.77M	1.47M	0.70M	1.22M	0.74M	0.59M	1.46M	2.20M	1.58M	0.77M	1.59M	1.08M	1.17M	1.02M	1.94M	1.27M	-3.44M	1.13M	2.03M	1.16M
Non-Interest Income	4.01M	4.21M	4.07M	4.12M	4.41M	6.16M	5.03M	5.04M	4.41M	4.86M	4.98M	5.07M	5.28M	5.53M	7.00M	6.71M	6.78M	6.30M	6.38M	6.42M	5.82M	6.83M	5.67M	6.11M	5.62M	6.63M	6.49M	5.68M	6.67M	7.85M	7.13M	7.55M	7.01M	8.14M	7.30M
Operating Items
Amortization - Intangibles	0.84M	0.83M	0.79M	0.75M	0.71M	0.71M	0.68M	0.67M	0.59M	0.53M	0.47M	0.42M	0.44M	0.51M	0.56M	0.64M	0.64M	0.66M	0.67M	0.71M	0.72M	0.77M	0.77M	0.74M	0.64M	0.61M	0.60M	0.58M	0.55M	0.56M	0.57M	0.57M	0.57M	0.58M	0.57M
Depreciation & Amortization - Total	0.31M	0.32M	0.34M	0.33M	0.27M	0.31M	0.32M	0.29M	0.30M	0.33M	0.33M	0.32M	0.36M	0.31M	0.38M	0.40M
Research & Development	0.57M	0.61M	0.59M	0.62M	0.64M	0.69M	0.67M	0.75M	0.80M	0.96M	0.80M	0.84M	1.22M	1.25M	1.48M	1.36M	1.38M	1.49M	1.48M	1.56M	1.62M	1.72M	1.72M	1.74M	1.94M	1.90M	1.82M	1.92M	1.99M	2.00M	1.88M	1.89M	2.07M	1.98M	1.94M
Wages, Salaries and Other	3.87M	3.97M	3.98M	3.98M	4.12M	4.19M	4.26M	4.61M	4.49M	5.28M	5.48M	5.39M	7.38M	6.98M	8.70M	10.00M	8.89M	9.50M	9.43M	9.78M	10.61M	10.27M	10.83M	10.13M	11.43M	10.78M	10.88M	11.11M	11.56M	11.02M	10.88M	11.47M	11.76M	11.07M	11.29M
Rent Expense	0.58M	0.60M	0.58M	0.58M	0.64M	0.61M	0.65M	0.60M	0.66M	0.67M	0.65M	0.65M	1.10M	0.97M	1.19M	1.19M	1.30M	1.22M	1.22M	1.24M	1.41M	1.31M	1.50M	1.32M	1.40M	1.32M	1.27M	1.36M	1.45M	1.33M	1.38M	1.31M	1.46M	1.40M	1.34M
Pension (IS)	1.52M	1.14M	1.21M	1.48M	1.61M	1.20M	1.24M	1.21M	1.62M	1.23M	1.45M	1.54M	2.04M	1.62M	1.87M	1.94M
Restructuring Costs							0.20M	0.13M	0.31M	3.30M	0.21M	0.28M	0.14M	0.98M	6.40M	0.18M																			0.88M
Other Operating Expenses	7.83M	7.55M	7.68M	7.87M	8.35M	5.56M	5.95M	6.40M	8.94M	6.01M	5.49M	5.79M	10.23M	9.73M	11.59M	14.46M	13.03M	12.69M	12.65M	13.21M	13.85M	14.01M	14.23M	13.53M	15.75M	15.50M	14.85M	15.11M	14.86M	15.92M	15.01M	15.23M	15.51M	16.01M	15.23M
Operating Expenses	9.30M	9.08M	9.19M	9.40M	9.89M	9.68M	9.83M	10.07M	11.01M	14.72M	11.69M	12.12M	13.05M	13.26M	21.05M	17.59M	15.71M	15.40M	15.35M	16.02M	16.89M	17.04M	17.44M	16.59M	19.09M	18.72M	17.94M	18.40M	18.30M	19.25M	18.27M	18.43M	19.04M	19.40M	19.39M
EBIT	5.37M	6.47M	6.18M	6.48M	6.11M	8.83M	7.94M	8.01M	7.42M	7.28M	9.40M	9.59M	7.74M	8.96M	5.75M	10.36M	12.57M	10.59M	10.58M	10.52M	9.82M	10.79M	8.14M	13.12M	13.02M	15.11M	18.89M	16.56M	17.75M	19.36M	20.74M	22.98M	19.44M	18.84M	19.40M
Non-operating items
Non Operating Income					9.89M	9.68M	9.63M	9.95M	10.70M	11.42M	11.49M	11.83M	12.91M	12.27M	14.65M	15.78M	15.71M	15.40M	15.35M	16.02M
Net income details
EBT	4.42M	5.50M	5.20M	5.48M	5.12M	7.75M	6.70M	6.70M	6.07M	4.34M	6.40M	6.59M	4.98M	6.69M	3.29M	8.25M	10.90M	8.84M	8.96M	8.98M	8.38M	9.11M	5.31M	9.55M	7.66M	7.46M	9.44M	5.92M	6.46M	7.48M	7.81M	10.12M	7.70M	7.53M	8.02M
Tax Provisions	0.98M	1.37M	1.26M	3.54M	0.74M	1.38M	1.11M	1.02M	0.98M	0.69M	1.10M	1.14M	0.82M	1.25M	0.44M	1.48M	2.11M	1.78M	1.57M	1.68M	1.48M	1.62M	0.86M	1.77M	1.41M	1.42M	1.85M	1.66M	1.15M	1.37M	1.45M	1.95M	1.41M	1.42M	1.46M
Profit After Tax	3.43M	4.12M	3.94M	1.94M	4.38M	6.37M	5.59M	5.68M	5.09M	3.65M	5.31M	5.46M	4.17M	5.44M	2.85M	6.77M	8.79M	7.06M	7.40M	7.31M	6.89M	7.49M	4.46M	7.78M	6.25M	6.04M	7.59M	4.26M	5.31M	6.11M	6.37M	8.17M	6.29M	6.12M	6.55M
Income from Continuing Operations	3.43M	4.12M	3.94M	1.94M	4.38M	6.37M	5.59M	5.68M	5.09M	3.65M	5.31M	5.46M	4.17M	5.44M	2.85M	6.77M	8.79M	7.06M	7.40M	7.31M	6.89M	7.49M	4.46M	7.78M	6.25M	6.04M	7.59M	4.26M	5.31M	6.11M	6.37M	8.17M	6.29M	6.12M	6.55M
Consolidated Net Income	3.43M	4.12M	3.94M	1.94M	4.38M	6.37M	5.59M	5.68M	5.09M	3.65M	5.31M	5.46M	4.17M	5.44M	2.85M	6.77M	8.79M	7.06M	7.40M	7.31M	6.89M	7.49M	4.46M	7.78M	6.25M	6.04M	7.59M	4.26M	5.31M	6.11M	6.37M	8.17M	6.29M	6.12M	6.55M
Income towards Parent Company	3.43M	4.12M	3.94M	1.94M	4.38M	6.37M	5.59M	5.68M	5.09M	3.65M	5.31M	5.46M	4.17M	5.44M	2.85M	6.77M	8.79M	7.06M	7.40M	7.31M	6.89M	7.49M	4.46M	7.78M	6.25M	6.04M	7.59M	4.26M	5.31M	6.11M	6.37M	8.17M	6.29M	6.12M	6.55M
Net Income towards Common Stockholders	3.42M	4.10M	3.92M	1.93M	4.35M	6.34M	5.56M	5.65M	5.06M	3.63M	5.28M	5.43M	4.15M	5.41M	2.83M	6.73M	8.72M	7.00M	7.34M	7.26M	6.83M	7.42M	4.42M	7.71M	6.20M	6.00M	7.53M	4.23M	5.27M	6.07M	6.31M	8.10M	6.24M	6.07M	6.50M
Additional items
EPS (Basic)	0.28	0.34	0.32	0.16	0.36	0.52	0.45	0.46	0.41	0.27	0.39	0.40	0.30	0.39	0.18	0.43	0.55	0.44	0.47	0.46	0.44	0.48	0.29	0.50	0.40	0.39	0.50	0.28	0.35	0.40	0.41	0.53	0.41	0.40	0.42
EPS (Weighted Average and Diluted)	0.28	0.34	0.32	0.16	0.36	0.52	0.45	0.46	0.41	0.27	0.39	0.40	0.30	0.39	0.18	0.43	0.55	0.44	0.47	0.46	0.44	0.48	0.29	0.50	0.40	0.39	0.50	0.28	0.35	0.40	0.41	0.53	0.41	0.40	0.42
Shares Outstanding (Weighted Average)	12.14M	12.16M	12.18M	12.20M	12.25M	12.26M	12.28M	12.30M	12.39M	13.67M	13.69M	13.70M	13.76M	13.79M	15.87M	15.89M	16.00M	16.00M	15.84M	15.75M	15.83M	15.61M	15.49M	15.50M	15.56M	15.36M	15.26M	15.27M	15.38M	15.38M	15.39M	15.41M	15.47M	15.49M	15.51M
EBITDA	5.68M	6.79M	6.52M	6.81M	6.38M	9.14M	8.26M	8.31M	7.72M	7.61M	9.74M	9.91M	8.10M	9.27M	6.14M	10.75M	12.57M	10.59M	10.58M	10.52M	9.82M	10.79M	8.14M	13.12M	13.02M	15.11M	18.89M	16.56M	17.75M	19.36M	20.74M	22.98M	19.44M	18.84M	19.40M
Tax Rate	22.27%	25.00%	24.28%	64.54%	14.48%	17.77%	16.59%	15.23%	16.16%	15.96%	17.12%	17.22%	16.38%	18.75%	13.33%	17.95%	19.36%	20.14%	17.47%	18.66%	17.70%	17.77%	16.15%	18.56%	18.39%	19.02%	19.56%	28.05%	17.84%	18.26%	18.53%	19.24%	18.32%	18.79%	18.27%

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