0001558370-21-000321.txt : 20210121 0001558370-21-000321.hdr.sgml : 20210121 20210121151119 ACCESSION NUMBER: 0001558370-21-000321 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 19 CONFORMED PERIOD OF REPORT: 20210121 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20210121 DATE AS OF CHANGE: 20210121 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS & NORTHERN CORP CENTRAL INDEX KEY: 0000810958 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 232451943 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-16084 FILM NUMBER: 21541701 BUSINESS ADDRESS: STREET 1: 90-92 MAIN ST CITY: WELLSBORO STATE: PA ZIP: 16901 BUSINESS PHONE: 877-838-2517 MAIL ADDRESS: STREET 1: 90-92 MAIN ST CITY: WELLSBORO STATE: PA ZIP: 16901 8-K 1 cznc-20210121x8k.htm 8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) January 21, 2021

CITIZENS & NORTHERN CORPORATION

(Exact name of registrant as specified in its charter)


Pennsylvania	0-16084	23-2451943
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

90-92 Main Street, Wellsboro, PA		16901
(Address of Principal Executive Office)		(Zip Code)

Registrant’s telephone number, including area code(570) 724-3411

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:


Title of Each Class	Trading Symbol	Name of Each Exchange on Which Registered
Common Stock Par Value $1.00	CZNC	NASDAQ Capital Market

Indicate by checkmark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (17 CFR 230.405) or Rule 12b-2 of the Securities Exchange Act of 1934 (17 CFR 240.12b-2)

Emerging growth company ☐

If an emerging growth company, indicate by checkmark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act ☐

ITEM 2.02. Results of Operations and Financial Condition

Citizens & Northern Corporation (the “Company”) announced unaudited, consolidated financial results for the year ended December 31, 2020. On January 21, 2021, the Company issued a press release titled “C&N Declares Dividend and Announces Fourth Quarter 2020 Unaudited Financial Results,” a copy of which is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. The Company’s “banCNotes,” a report that includes unaudited financial information, will be mailed to shareholders on or about January 28, 2021. A copy of the unaudited quarterly financial information included in banCNotes is furnished as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference. Also, supplemental, unaudited financial information is furnished as Exhibit 99.3 to this Current Report on Form 8-K and is incorporated herein by reference.

ITEM 9.01. Financial Statements and Exhibits

(a) Not applicable.

(b) Not applicable.

(d) Exhibits.

Exhibit 99.1: Press Release issued by Citizens & Northern Corporation dated January 21, 2021, titled “C&N Declares Dividend and Announces Fourth Quarter 2020 Unaudited Financial Results.”

Exhibit 99.2: Unaudited financial information included in “banCNotes” report to be mailed to shareholders on or about January 28, 2021.

Exhibit 99.3: Supplemental, unaudited financial information.

Signatures

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned, thereunto duly authorized.


	CITIZENS & NORTHERN CORPORATION

Date: 1/21/2021	By:	/s/ Mark A. Hughes
		Treasurer and Chief Financial Officer

EX-99.1 2 cznc-20210121xex99d1.htm EX-99.1

Exhibit 99.1


		Contact: Charity Frantz
January 21, 2021		570-724-0225
		charityf@cnbankpa.com

C&N DECLARES DIVIDEND AND Announces FOURTH QUARTER 2020 UNAUDITED Financial RESULTS

For Immediate Release:

Wellsboro, PA – Citizens & Northern Corporation (“C&N”) (NASDAQ: CZNC) announced its most recent dividend declaration and its unaudited, consolidated financial results for the three-month and annual periods ended December 31, 2020.

Dividend Declared

On January 21, 2021, C&N’s Board of Directors declared a regular quarterly cash dividend of $0.27 per share. The dividend is payable on February 12, 2021 to shareholders of record as of February 1, 2021.

Acquisitions of Covenant Financial, Inc. and Monument Bancorp, Inc.

C&N’s acquisition of Covenant Financial, Inc. (“Covenant”) was completed July 1, 2020. Covenant was the parent company of Covenant Bank, a commercial bank which operated a community bank office in Bucks County, Pennsylvania and another in Chester County, Pennsylvania. Pursuant to the transaction, Covenant merged with and into C&N and Covenant Bank merged with and into C&N’s bank subsidiary, Citizens & Northern Bank. Total purchase consideration was $63.3 million, including common stock with a fair value of $41.6 million and cash of $21.7 million. Holders of Covenant common stock prior to the consummation of the merger held approximately 12.9% of C&N’s common stock outstanding immediately following the merger.

In connection with the acquisition, C&N recorded goodwill of $24.1 million and a core deposit intangible asset of $3.1 million. Assets acquired included loans valued at $464.8 million, cash and due from banks of $97.8 million, bank-owned life insurance valued at $11.2 million and securities valued at $10.8 million. Liabilities assumed included deposits valued at $481.8 million, borrowings valued at $64.0 million and subordinated debt valued at $10.1 million. The assets purchased and liabilities assumed in the acquisition were recorded at their preliminary estimated fair values at the time of closing and may be adjusted for up to one year subsequent to the acquisition.

The acquisition of Covenant follows the acquisition of Monument Bancorp, Inc. (“Monument”) on April 1, 2019. Monument was the parent company of Monument Bank, with two community banking offices and a lending office in Bucks County, Pennsylvania. Monument merged with and into C&N and Monument Bank merged with and into Citizens & Northern Bank. The total transaction value of the Monument acquisition was $42.7 million.

C&N incurred pre-tax merger-related expenses related to the Covenant transaction of $7.7 million for the year ended December 31, 2020, including expenses totaling $0.2 million in the fourth quarter 2020. Merger-related expenses totaled $4.1 million for the year ended December 31, 2019, including $3.8 million associated with the Monument transaction and $0.3 million associated with the Covenant transaction. Fourth quarter 2019 merger-related expenses totaled $0.3 million.

Unaudited Financial Information

Net income was $0.43 per diluted share in the fourth quarter 2020, up from $0.18 in the third quarter 2020 and $0.40 in the fourth quarter 2019. For the year ended December 31, 2020, net income per diluted share was $1.30, down from $1.46 per share for the year ended December 31, 2019. Earnings for the year ended December 31, 2020 were significantly impacted by the Covenant acquisition, including the effects of merger-related expenses described earlier. Further, interest income on loans acquired from Covenant, partially offset by interest expense on deposits, borrowings and subordinated debt assumed, contributed to growth in C&N’s net interest income, while costs associated with the expansion contributed to an increase in noninterest expenses. Results for the year ended December 31, 2019 were significantly impacted by merger-related expenses and other effects of the Monument acquisition.

In the fourth quarter 2020, C&N incurred a pre-tax loss of $1.6 million on prepayment of long-term borrowings (Federal Home Loan Bank of Pittsburgh advances) with outstanding balances totaling $48.0 million. The borrowings included several advances maturing in 2022 through 2024 with a weighted-average interest rate of 1.77% and a weighted-average duration of 2.3 years. Management estimated the use of excess cash to prepay borrowings would generate an improvement in the net interest margin of approximately 0.11% in 2021 over previous internal projections, and that the loss would be recovered through higher future earnings in approximately two years.

As described below, excluding merger-related expenses, loss on prepayment of borrowings and net realized gains on securities, adjusted (non-U.S. GAAP) earnings of $0.51 per share for the fourth quarter 2020 were higher than the comparative $0.42 per share for the fourth quarter 2019, and adjusted (non-U.S. GAAP) earnings were $1.79 per share for the year ended December 31, 2020 as compared to $1.70 per share for the year ended December 31, 2019.

The following table provides a reconciliation of C&N’s fourth quarter and annual 2020 and 2019 unaudited earnings results under U.S. generally accepted accounting principles (U.S. GAAP) to comparative non-U.S. GAAP results excluding merger-related expenses, loss on prepayment of borrowings and net realized gains on securities. Management believes disclosure of unaudited fourth quarter and annual 2020 and 2019 earnings results, adjusted to exclude the impact of these items, provides useful information to investors for comparative purposes.

RECONCILIATION OF UNAUDITED U.S. GAAP NET INCOME AND

DILUTED EARNINGS PER SHARE TO NON-U.S. GAAP MEASURE

(Dollars In Thousands, Except Per Share Data)

(Unaudited)


	4th Quarter 2020								4th Quarter 2019
	Income						Diluted		Income						Diluted
	Before						Earnings		Before						Earnings
	Income		Income				per		Income		Income				per
	Tax		Tax		Net		Common		Tax		Tax		Net		Common
	Provision		Provision		Income		Share		Provision		Provision		Income		Share
Earnings Under U.S. GAAP	$	8,251	$	1,481	$	6,770	$	0.43	$	6,593	$	1,135	$	5,458	$	0.40
Add: Merger-Related Expenses (1)		182		38		144				281		31		250
Add: Loss on Prepayment of Borrowings (1)		1,636		344		1,292				0		0		0
Net Gains on Available-for-Sale Debt Securities (1)		(144)		(30)		(114)				(3)		(1)		(2)
Adjusted Earnings (Non-U.S. GAAP)	$	9,925	$	1,833	$	8,092	$	0.51	$	6,871	$	1,165	$	5,706	$	0.42


	Year Ended December 31, 2020								Year Ended December 31, 2019
	Income						Diluted		Income						Diluted
	Before						Earnings		Before						Earnings
	Income		Income				per		Income		Income				per
	Tax		Tax		Net		Common		Tax		Tax		Net		Common
	Provision		Provision		Income		Share		Provision		Provision		Income		Share
Earnings Under U.S. GAAP	$	23,212	$	3,990	$	19,222	$	1.30	$	23,409	$	3,905	$	19,504	$	1.46
Add: Merger-Related Expenses (1)		7,708		1,574		6,134				4,099		829		3,270
Add: Loss on Prepayment of Borrowings (1)		1,636		344		1,292				0		0		0
Net Gains on Available-for-Sale Debt Securities (1)		(169)		(35)		(134)				(23)		(5)		(18)
Adjusted Earnings (Non-U.S. GAAP)	$	32,387	$	5,873	$	26,514	$	1.79	$	27,485	$	4,729	$	22,756	$	1.70

(1)

Income tax has been allocated based on a marginal income tax rate of 21%. The effect on the income tax provision of merger-related expenses is adjusted for the estimated nondeductible portion of the expenses.

Additional highlights related to C&N’s fourth quarter and annual unaudited U.S. GAAP earnings results as compared to the third quarter 2020 and comparative periods of 2019 are presented below.

Fourth Quarter 2020 as Compared to Third Quarter 2020

Net income was $6,770,000, or $0.43 per diluted share, for the fourth quarter 2020, up from $2,848,000, or $0.18 per diluted share, in the third quarter 2020. Excluding the effects of merger-related expenses, loss on prepayment of borrowings and net realized gains on securities, adjusted (non-U.S. GAAP) earnings per share were $0.51 per share for the fourth quarter 2020, up from a similarly adjusted $0.50 per share for the third quarter 2020. Other significant variances were as follows:

●

Net interest income totaled $19,755,000 in the fourth quarter 2020, up $473,000 from the third quarter 2020 amount of $19,282,000. Total interest and fees from loans originated under the U.S. Small Business Administration (SBA) Paycheck Protection Program (PPP) were $1,495,000 in the fourth quarter 2020, an increase of $606,000 over the third quarter total. This increase in income from PPP loans resulted from an acceleration of origination fees based on the SBA’s repayment of loans tied to the forgiveness of the underlying borrowers. Average loans outstanding totaled $1.670 billion in the fourth quarter 2020, down $36.0 million from the prior quarter, including a $9.7 million decrease in average PPP loans as well as decreases in other commercial loans and residential mortgage loans. The reduction in average residential mortgage loans outstanding reflects a greater proportion of residential mortgage loans originated being sold on the secondary market. Average total deposits decreased $38.9 million, including decreases in average time deposits and a seasonal decrease in balances maintained by municipal depositors. The net interest rate spread increased 0.20%, as the average yield on earning assets increased 0.13% while the average rate on interest-bearing liabilities decreased 0.07%. The net interest margin was 3.76% in the fourth quarter, up from 3.57% in the third quarter 2020.

●

C&N recognized a provision for loan losses of $620,000 in the fourth quarter 2020, a decrease in expense of $1,321,000 from the third quarter 2020 provision of $1,941,000. The fourth quarter 2020 provision included a net charge of $262,000 related to specific loans (increase in specific allowances on loans of $274,000, partially offset by net recoveries of $12,000) and a charge of $358,000 attributable to increases in the collectively determined portion of the allowance for loan losses. The higher provision for loan losses in the third quarter 2020 included the net impact of a charge-off of $2,219,000 on a commercial loan of $3,500,000 for which the previously-established allowance had been $1,193,000.

●

Noninterest income was $6,565,000 in the fourth quarter 2020, down $405,000 from the third quarter 2020 amount. Significant variances included the following:

Net gains from sales of loans totaled $1,472,000 in the fourth quarter 2020, a decrease of $580,000 from the third quarter total. The volume of residential mortgage loans sold in the fourth quarter 2020 was high by C&N’s historical standards, though down from the third quarter.

Loan servicing fees, net, were $198,000 in the fourth quarter 2020 as compared to negative $87,000 (a decrease in revenue) in the third quarter 2020. The fair value of mortgage servicing rights increased $41,000 in the fourth quarter 2020, as compared to a decrease of $221,000 in the third quarter 2020, as market assumptions regarding prepayment speeds decreased in the fourth quarter.

Other noninterest income totaled $689,000, a decrease of $214,000 from the third quarter total. Income from a life insurance arrangement in which benefits were split between C&N and heirs of a former employee was $279,000 in the third quarter 2020, with no corresponding income recognized in the fourth quarter 2020.

●

Noninterest expense, excluding merger-related expenses and loss on prepayment of borrowings, totaled $15,775,000 in the fourth quarter 2020, an increase of $1,127,000 from the third quarter 2020 amount. Salaries and wages of $8,062,000 increased $1,229,000 from the third quarter 2020. Total cash-and-stock-based compensation expense increased $680,000, consistent with an updated comparison of C&N’s earnings performance to that of defined peer groups. Also contributing to the increase were an accrual of $265,000 due to a change in paid time off policy driven by COVID-19, and $134,000 of salary expense related to an additional bonus in recognition of extra efforts required to deal with COVID-19 related conditions paid to employees who are not included in the incentive compensation plan.

●

The income tax provision was $1,481,000 for the fourth quarter 2020, up from $438,000 for the third quarter 2020. The increase in income tax provision reflected the increase in pre-tax income of $4,965,000 for the quarter. The effective tax rate of 17.9% for the fourth quarter 2020 was up from 13.3% for the third quarter as the third quarter tax rate included the marginal impact of a significant portion of the Covenant merger-related expenses.

Fourth Quarter 2020 as Compared to Fourth Quarter 2019

As described above, fourth quarter 2020 net income was $6,770,000, and excluding the effects of merger-related expenses and loss on prepayment of borrowings and net realized gains on securities, adjusted (non-U.S. GAAP) earnings were $8,092,000. In comparison, fourth quarter 2019 net income was $5,458,000, and excluding merger-related expenses and net realized gains on securities, adjusted (non-U.S. GAAP) earnings were $5,706,000. Other significant variances were as follows:

●

Fourth quarter 2020 net interest income of $19,755,000 was $5,464,000 higher than the fourth quarter 2019 total, reflecting the impact of growth mainly attributable to the Covenant acquisition. Average outstanding loans increased $503.2 million, and average total deposits increased $574.5 million. The net interest margin for the fourth quarter 2020 was 3.76% as compared to 3.75% for the fourth quarter 2019. The average yield on earning assets of 4.15% for the fourth quarter 2020 was down 0.38% from the fourth quarter 2019, while the average rate on interest-bearing liabilities of 0.55% in the fourth quarter 2020 was 0.54% lower than the comparable fourth quarter 2019 average rate. Accretion and amortization of purchase accounting adjustments had a net positive impact on net interest income of $1,273,000 in the fourth quarter 2020 as compared to a net positive impact of $150,000 in the fourth quarter 2019.

●

The provision for loan losses was $620,000 in the fourth quarter 2020 as compared to $652,000 in the fourth quarter 2019. Details concerning the fourth quarter 2020 provision for loan losses are described previously.

●

Noninterest income for the fourth quarter 2020 was up $1,499,000 from the fourth quarter 2019 total. Significant variances included the following:

Net gains from sales of loans of $1,472,000 for the fourth quarter 2020 were up $1,166,000 from the total for the fourth quarter 2019. The increase reflects an increase in volume of mortgage loans sold, due mainly to the impact of historically low interest rates on the housing market and refinancing activity.

Other noninterest income totaled $689,000, an increase of $251,000 from the fourth quarter 2019. In the fourth quarter 2020, fee income for providing credit enhancement on sale of mortgage loans increased $96,000, dividend income from Federal Home Loan Bank stock was up $37,000, and credit card interchange income increased $26,000.

Interchange revenue from debit card transactions totaled $817,000 in the fourth quarter 2020, an increase of $127,000 over the fourth quarter 2019 total.

Loan servicing fees, net, were $198,000 in the fourth quarter 2020, an increase of $107,000 over the fourth quarter 2019 total.

Service charges on deposit accounts of $1,105,000 in the fourth quarter 2020 were down $290,000 from the fourth quarter 2019 amount, as the volume of consumer and business overdraft activity fell.

●

Noninterest expense, excluding merger-related expenses and loss on prepayment of borrowings, increased $3,941,000 in the fourth quarter 2020 over the fourth quarter 2019 amount. Significant variances included the following:

Salaries and wages of $8,062,000 increased $2,667,000 from the fourth quarter 2019, reflecting an increase in personnel due to the Covenant acquisition and an increase in incentive compensation stemming from the adjusted comparison of C&N’s earnings performance to peers and additional COVID-19 related compensation costs in the fourth quarter 2020 as mentioned above.

Pensions and other employee benefits expense increased $391,000, reflecting the increase in personnel from the Covenant acquisition and an increase in health care expense from C&N’s partially self-insured plan.

Data processing expenses increased $308,000, including the impact of increases in software licensing and maintenance costs associated with core banking, lending, trust and other functions.

Professional fees expense increased $153,000, including costs associated with increased use of outsourced services to support a range of activities, most significantly in certain trust administrative activities.

Occupancy expense increased $142,000, primarily reflecting an increase due to the Covenant acquisition.

Other noninterest expense increased $121,000. Within this category, amortization of core deposit intangibles increased $134,000 related to the Covenant acquisition.

●

The income tax provision of $1,481,000 for the fourth quarter 2020 was up $346,000 from $1,135,000 for the fourth quarter 2019, reflecting higher pre-tax income.

Year Ended December 31, 2020 as Compared to Year Ended December 31, 2019

Net income for the year ended December 31, 2020 was $19,222,000, or $1.30 per diluted share, while net income for the year ended December 31, 2019 was $19,504,000, or $1.46 per share. Excluding the impact of merger-related expenses, loss on prepayment of borrowings and net securities gains, adjusted (non-U.S. GAAP) earnings for the year ended December 31, 2020 would be $26,514,000 or $1.79 per share as compared to similarly adjusted earnings of $22,756,000 or $1.70 per share for the year ended December 31, 2019. Other significant variances were as follows:

●

For the year ended December 31, 2020, net interest income of $67,565,000 was up $13,077,000 over the 2019 total. Results for 2020 included the benefit of the mid-year Covenant acquisition and included the impact of former Monument activity for the full year as compared to the final nine months of 2019. In 2020, annual average outstanding loans totaled $1.445 billion, an increase of $387.5 million over 2019, and annual average total deposits of $1.586 billion were up $372.7 million. The net interest margin for the year ended December 31, 2020 was 3.69%, down from 3.86% for 2019. The annual average yield on earning assets was 4.21% for 2020, down 0.37% from 2019, while the average rate on interest-bearing liabilities of 0.72% in 2020 was 0.30% lower than the 2019 average rate. Accretion and amortization of purchase accounting adjustments had a net positive impact on net interest income of $3,272,000 for the year ended December 31, 2020 as compared to a net positive impact of $558,000 in 2019.

●

For the year ended December 31, 2020, the provision for loan losses was $3,913,000, an increase in expense of $3,064,000 as compared to 2019. The provision included the impact of the $2,219,000 charge-off of a commercial loan referenced previously. In total, the provision for 2020 included a net charge of $2,238,000 related to specific loans (net decrease in specific allowances on loans of $126,000 and net charge-offs of $2,364,000) and a $1,675,000 increase in the collectively determined portion of the allowance for loan losses. The increase in the collectively determined portion of the allowance includes the impact of an increase in the net charge-off experience factor for commercial loans and an increase in qualitative factors.

●

Total noninterest income, excluding realized securities gains, for the year ended December 31, 2020 was up $5,060,000 (26.2%) from the total for 2019. Significant variances included the following:

Net gains from sales of loans totaled $5,403,000 for the year ended December 31, 2020, an increase of $4,479,000 over the total for the year ended December 31, 2019. As noted above, the increase reflects an increase in volume of mortgage loans sold, resulting mainly from lower interest rates.

Other noninterest income totaled $3,010,000, an increase of $1,135,000 over 2019. Income from realization of tax credits of $504,000 was $349,000 higher in 2020 as compared to 2019. In 2020, income from a life insurance arrangement in which benefits were split between C&N and heirs of a former employee was $279,000. Dividend income from Federal Home Loan Bank stock of $654,000 was up $167,000, reflecting a higher average balance of stock held due to increased borrowings and credit card interchange income totaled $289,000 in 2020, an increase of $76,000 over 2019. Fee income from credit enhancement provided on residential mortgage loans sold totaled $227,000 in 2020, an increase of $137,000 over 2019.

Service charges on deposit accounts of $4,231,000 in 2020 were down $1,127,000 (21.0%) from the total for 2019, as the volume of consumer and business overdraft activity fell.

●

Noninterest expense, excluding merger-related expenses and loss on prepayment of borrowings, increased $10,171,000 (22.4%) for the year ended December 31, 2020 over the year ended December 31, 2019. Significant variances included the following:

Total salaries and wages and benefits expenses increased $6,581,000, reflecting: inclusion of Covenant for six months in 2020 and the former Monument operations for all of 2020 as compared to nine months in 2019; an increase in incentive compensation mainly attributable to increases in earnings performance as compared to peers and an increase in residential mortgage origination volume; annual merit-based salary adjustments; an increase in overtime pay related mainly to mortgage lending activity; a reduction in expense due to a higher proportion of payroll costs capitalized (added to the carrying value of loans) due to the high volume of PPP loans originated; and an increase in health care expense due to higher claims on C&N’s partially self-insured plan.

Data processing expenses increased $1,050,000, including the impact of increases in software licensing and maintenance costs associated with core banking, lending, trust and other functions as well as professional fees associated with analysis of C&N’s online delivery channel.

Other noninterest expense increased $761,000. Within this category, significant variances included the following:

●

Other operational losses increased $554,000, including estimated accruals of $340,000 for penalties related to certain information returns and an estimated accrual of $200,000 related to a state tax reporting matter.

●

Donations expense increased $460,000, mainly due to an increase in donations associated with the Pennsylvania Educational Improvement Tax Credit program.

●

Amortization of core deposit intangibles increased $318,000, mainly resulting from the Covenant acquisition.

●

Expenses related to other real estate properties decreased $340,000. The reduction resulted from the completion in the first quarter 2020 of a complex commercial workout situation for which a significant amount of expenses were incurred in 2019.

●

Consulting expenses related to the overdraft privilege program decreased $201,000 consistent with the decrease in overdraft fees collected.

Professional fees expense increased $623,000, including costs associated with a change in certain trust administrative activities to handle them on an outsourced basis.

Occupancy expense increased $381,000, primarily reflecting an increase due to the Covenant acquisition.

Pennsylvania shares tax expense increased $309,000, reflecting the impact of an increase in Citizens & Northern Bank’s stockholder’s equity.

●

The income tax provision was $3,990,000 for the year ended December 31, 2020, up from $3,905,000 for the year ended December 31, 2019. Pre-tax income was $197,000 lower for the year ended December 31, 2020 as compared to the year ended December 31, 2019. The effective tax rate was 17.2% for the year ended December 31, 2020, slightly higher than the 16.7% effective tax rate for the year ended December 31, 2019.

Other Information:

Changes in other unaudited financial information are as follows:

●

Total assets amounted to $2,239,100,000 at December 31, 2020, down from $2,352,793,000 at September 30, 2020 and up 35.4% from $1,654,145,000 at December 31, 2019.

●

Net loans outstanding (excluding mortgage loans held for sale) were $1,632,824,000 at December 31, 2020, down from $1,680,617,000 at September 30, 2020 and up 39.3% from $1,172,386,000 at December 31, 2019. In comparing outstanding balances at December 31, 2020 and 2019, total commercial loans were up $428.9 million (74.1%), including PPP loans of $132.3 million, total residential mortgage loans were higher by $33.6 million (5.7%) and total consumer loans were down $0.5 million (2.7%). The outstanding balance of residential mortgage loans originated and serviced by C&N that have been sold to third parties was $278.9 million at December 31, 2020, up $100.4 million (56.3%) from December 31, 2019.

●

The recorded investment in PPP loans at December 31, 2020 of $132.3 million included contractual principal balances totaling $134.8 million, adjusted by net deferred loan origination fees and a market rate adjustment on PPP loans acquired from Covenant. The term of most of the PPP loans is two years, with repayment from the SBA to occur sooner to the extent the loans are forgiven. In the fourth quarter 2020, loans with contractual balances totaling $31.9 million were forgiven by the SBA. Management expects a significant portion of the PPP loans outstanding at December 31, 2020 to be forgiven in 2021. In December 2020, legislation was passed that created a second round of PPP lending for qualified borrowers. C&N management expects to participate in the second round of PPP lending in 2021.

●

To work with clients impacted by COVID-19, C&N is offering short-term loan modifications (deferrals) on a case-by-case basis to borrowers who were current in their payments prior to modification. Prior to the merger, Covenant had a similar program in place for qualifying borrowers, and these modified loans have been incorporated into C&N’s program. These loans are not reported as past due or troubled debt restructurings during the deferral period. At December 31, 2020, there were 45 loans, with an aggregate recorded investment of approximately $37.4 million, in deferral status under the program. In comparison, at September 30, 2020, C&N had 44 loans with an aggregate recorded investment of $41.6 million in deferral status. Within these totals, loans in deferral status to commercial borrowers in the hotel industry totaled $25.1 million at December 31, 2020 and September 30, 2020.

●

Total nonperforming assets as a percentage of total assets was 1.10% at December 31, 2020, down from 1.17% at September 30, 2020 and up from 0.80% at December 31, 2019. Total nonperforming assets decreased to $24.7 million at December 31, 2020 from $27.5 million at September 30, 2020.

●

The allowance for loan losses was $11.4 million at December 31, 2020, or 0.69% of total loans as compared to $10.8 million or 0.64% of total loans at September 30, 2020. Effective July 1, 2020, C&N recorded loans purchased from Covenant at fair value. Excluding PCI loans, the remainder of the portfolio was determined to be performing and was valued at $457.6 million at July 1, 2020. The calculation of fair value included a discount for credit losses of $7.2 million, reflecting an estimate of the present value of credit losses based on market expectations. None of the performing loans purchased from Covenant were found to be impaired in the third or fourth quarters of 2020; accordingly, there was no allowance for loan losses on loans purchased from Covenant at December 31, 2020. The total allowance for loan losses and the credit adjustment on purchased non-impaired loans at December 31, 2020 was $17.4 million, or 1.05% of total loans receivable and the credit adjustment. The comparative ratios were 1.05% at September 30, 2020 and 0.93% at December 31, 2019.

●

Deposits and repo sweep accounts totaled $1,822,425,000 at December 31, 2020, down from $1,873,827,000 at September 30, 2020, and up 45.3% from $1,254,588,000 at December 31, 2019.

●

Total shareholders’ equity was $299,756,000 at December 31, 2020, up from $296,316,000 at September 30, 2020 and $244,452,000 at December 31, 2019. In the third quarter 2020, shareholders’ equity increased $41.6 million from common stock issued in the Covenant acquisition. Within shareholders’ equity, the portion of accumulated other comprehensive income related to available-for-sale debt securities was $11,676,000 at December 31, 2020, up slightly from $11,376,000 at September 30, 2020 and up from $3,511,000 at December 31, 2019. Fluctuations in accumulated other comprehensive income related to valuations of available-for-sale debt securities have been caused by changes in interest rates.

●

Citizens & Northern Bank is subject to various regulatory capital requirements. At December 31, 2020, Citizens & Northern Bank maintains regulatory capital ratios that exceed all capital adequacy requirements. Management expects the Bank to remain well-capitalized for the foreseeable future.

●

Assets under management by C&N’s Trust and Financial Management Group amounted to $1,103,228,000 at December 31, 2020, up 8.9% from $1,012,986,000 at September 30, 2020 and 9.5% from $1,007,113,000 at December 31, 2019. Fluctuations in values of assets under management reflect the impact of high recent market volatility.

Citizens & Northern Corporation is the bank holding company for Citizens & Northern Bank, headquartered in Wellsboro, Pennsylvania which operates 29 banking offices located in Bradford, Bucks, Cameron, Chester, Lycoming, McKean, Potter, Sullivan and Tioga Counties in Pennsylvania and Steuben County in New York, as well as loan production offices in Elmira, New York and York, Pennsylvania. Citizens & Northern Corporation trades on NASDAQ under the symbol “CZNC.” For more information about Citizens & Northern Bank and Citizens & Northern Corporation, visit www.cnbankpa.com.

Safe Harbor Statement: Except for historical information contained herein, the matters discussed in this release are forward-looking statements. Investors are cautioned that all forward-looking statements involve risks and uncertainty, including without limitation, the following: the effect of COVID-19 and related events, which could have a negative effect on C&N’s business prospects, financial condition and results of operations, including as a result of quarantines; market volatility; market downturns; changes in consumer behavior; business closures; deterioration in the credit quality of borrowers or the inability of borrowers to satisfy their obligations to C&N (and any related forbearances or restructurings that may be implemented); changes in the value of collateral securing outstanding loans; changes in the value of the investment securities portfolio; effects on key employees, including operational management personnel and those charged with preparing, monitoring and evaluating the companies’ financial reporting and internal controls; declines in the demand for loans and other banking services and products, as well as increases in non-performing loans, owing to the effects of COVID-19 in the markets served by C&N and in the United States as a whole; declines in demand resulting from adverse impacts of the disease on businesses deemed to be “non-essential” by governments and individual customers in the markets served by C&N; or branch or office closures and business interruptions triggered by the disease; changes in monetary and fiscal policies of the Federal Reserve Board and the U.S. Government, particularly related to changes in interest rates; changes in general economic conditions caused by factors other than COVID-19; legislative or regulatory changes; downturn in demand for loan, deposit and other financial services in the Corporation’s market area; increased competition from other banks and non-bank providers of financial services; technological changes and increased technology-related costs; changes in management’s assessment of realization of securities and other assets; and changes in accounting principles, or the application of generally accepted accounting principles. Citizens & Northern disclaims any intention or obligation to publicly update or revise any forward-looking statements, whether as a result of events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.

EX-99.2 3 cznc-20210121xex99d2.htm EX-99.2

EXHIBIT 99.2


December 31, 2020	QUARTERLY REPORT

Dear Shareholder:

We began our first three Quarterly Reports in 2020 by addressing COVID-19 and this Fourth Quarter Report is no different. As projected by healthcare professionals, there was a resurgence in the spread of the virus world-wide as we approached year-end, leading to renewed restrictions on activity late in the quarter. Vaccination distribution started in mid-December, supporting optimism that the health risks associated with COVID will begin to decline in the first half of 2021. The impact on economic activity from the latest restrictions and the timing and effectiveness of vaccine protocols is still unclear. The entire team at C&N remains committed to supporting the health and welfare of our Team, customers and communities while playing our essential role in supporting the local and regional economic activity.

The November election was the other major story during the quarter. Former Vice President Joe Biden was elected President and the final U.S. Senate races were decided in early January. The White House and both houses of Congress are now controlled by democrats, which will lead to policy changes impacting our industry. The contentious nature of the election and subsequent events adds another dynamic to already challenging circumstances.

Despite the pandemic and political environment, financial markets continued to show strength during the quarter as measured by the major stock market averages and liquidity in the bond and money markets. In late December, a second economic stimulus bill was enacted that includes, among other things, another round of PPP funding for small businesses. This action, combined with the ongoing, extraordinary steps taken by the Federal Reserve to hold interest rates at historically low levels, is providing near-term support for the economy.

C&N’s efforts to support customers with PPP loans, payment deferrals, cash management and investment guidance through our wealth management group remain consistent. We are actively engaged with individual customers to determine their needs and appropriate solutions. The forgiveness process for round one PPP loans and gearing up for round two was a focus during the fourth quarter.

After adjusting for merger related expenses, gains on the sale of securities and losses on prepayment of borrowings in both 2019 and 2020, fourth quarter earnings increased from $5.7 million to $8.1 million or 42%. Earnings per share, on the same adjusted basis, increased 21% to $.51 per share, with the difference between adjusted earnings and EPS growth attributable to the additional shares issued in the Covenant acquisition. Net interest income for the quarter increased 38% while the net interest margin of 3.76% was essentially unchanged from the fourth quarter of 2019. Accelerated recognition of fees from PPP loans contributed to the growth in net interest income as almost 20% of C&N’s PPP loans were repaid by the SBA in the fourth quarter 2020 based on forgiveness granted to the underlying borrowers.

The provision for loan losses of $620,000 was consistent with the $652,000 provision during the fourth quarter of 2019. Noninterest income increased by 30% primarily due to strong gains on the sale of mortgage loans. Noninterest expenses, excluding merger-related expenses and loss on prepayment of borrowings, were 33% above the fourth quarter of 2019, driven primarily by the Covenant acquisition and overall personnel related costs.

On the same adjusted basis, earnings for the year ended December 31, 2020 grew by 17% and earnings per share increased by 5% compared to 2019, reflecting the benefits of growth related to the Monument and Covenant acquisitions. Net interest income for the year increased 24% due to a larger balance sheet, and despite a decline in the net interest margin to 3.69% from 3.86%. The provision for loan losses increased $3.1 million as compared to 2019, including the impact in 2020 of a $2.2 million charge-off on one commercial loan. Total noninterest income grew by 26% compared to 2019 with gains on mortgage sales as the primary driver, although a variety of other sources also contributed. Noninterest expenses, excluding merger-related expenses and loss on prepayment of borrowings, increased 22%. This growth was substantially due to the inclusion of former Monument operations for twelve months during 2020 compared to nine months in 2019 and the inclusion of Covenant expenses for the second half of 2020. Increased data processing costs, professional fees and various other expenses also contributed.

C&N faces the ongoing COVID crisis and related uncertainties from a position of strength. This is especially evident in our capital ratios, which are at levels that demonstrate the capacity to absorb significant credit losses, if they arise, while continuing to meet regulatory requirements to be considered well capitalized. This strength was reinforced once again by the Board’s declaration of the regular quarterly cash dividend of $.27 per share to shareholders of record on February 1, 2021, payable on February 12, 2021.

In closing, I want to thank the C&N Team for their extraordinary commitment to our Company in 2020. Our mission of creating value through relationships was in clear view throughout the year as this group delivered for each other, our customers and those in need across all the communities we serve. In addition, we finished the year with outstanding financial results and remain poised to continue our profitable growth as we drive into 2021.

As always, we appreciate your confidence in this team and support of our Company.

J. Bradley Scovill

President and CEO

CONDENSED, CONSOLIDATED EARNINGS INFORMATION

(Dollars In Thousands, Except Per Share Data) (Unaudited)


	4TH		4TH
	QUARTER		QUARTER
	2020		2019
	(Current)		(Prior Year)		$ Incr. (Decr.)		% Incr. (Decr.)
Interest and Dividend Income	$	21,859	$	17,290	$	4,569	26.43	%
Interest Expense		2,104		2,999		(895)	(29.84)	%
Net Interest Income		19,755		14,291		5,464	38.23	%
Provision for Loan Losses		620		652		(32)	(4.91)	%
Net Interest Income After Provision for Loan Losses		19,135		13,639		5,496	40.30	%
Noninterest Income		6,565		5,066		1,499	29.59	%
Net Gains on Available-for-sale Debt Securities		144		3		141	4,700.00	%
Loss on Prepayment of Borrowings		1,636		0		1,636
Merger-Related Expenses		182		281		(99)	(35.23)	%
Other Noninterest Expenses		15,775		11,834		3,941	33.30	%
Income Before Income Tax Provision		8,251		6,593		1,658	25.15	%
Income Tax Provision		1,481		1,135		346	30.48	%
Net Income	$	6,770	$	5,458	$	1,312	24.04	%
Net Income Attributable to Common Shares (1)	$	6,727	$	5,431	$	1,296	23.86	%
PER COMMON SHARE DATA:
Net Income - Basic	$	0.43	$	0.40	$	0.03	7.50	%
Net Income - Diluted	$	0.43	$	0.40	$	0.03	7.50	%
Dividend Per Share - Quarterly	$	0.27	$	0.27	$	0.00	0.00	%
Number of Shares Used in Computation - Basic		15,799,436		13,642,286
Number of Shares Used in Computation - Diluted		15,801,068		13,663,736

CONDENSED, CONSOLIDATED EARNINGS INFORMATION

(Dollars In Thousands, Except Per Share Data) (Unaudited)


	YEARS ENDED
	December 31,
	2020		2019
	(Current)		(Prior Year)		$ Incr. (Decr.)		% Incr. (Decr.)
Interest and Dividend Income	$	77,160	$	64,771	$	12,389	19.13	%
Interest Expense		9,595		10,283		(688)	(6.69)	%
Net Interest Income		67,565		54,488		13,077	24.00	%
Provision for Loan Losses		3,913		849		3,064	360.90	%
Net Interest Income After Provision for Loan Losses		63,652		53,639		10,013	18.67	%
Noninterest Income		24,344		19,284		5,060	26.24	%
Net Gains on Available-for-sale Debt Securities		169		23		146	634.78	%
Loss on Prepayment of Borrowings		1,636		0		1,636
Merger-Related Expenses		7,708		4,099		3,609	88.05	%
Other Noninterest Expenses		55,609		45,438		10,171	22.38	%
Income Before Income Tax Provision		23,212		23,409		(197)	(0.84)	%
Income Tax Provision		3,990		3,905		85	2.18	%
Net Income	$	19,222	$	19,504	$	(282)	(1.45)	%
Net Income Attributable to Common Shares (1)	$	19,106	$	19,404	$	(298)	(1.54)	%
PER COMMON SHARE DATA:
Net Income - Basic	$	1.30	$	1.46	$	(0.16)	(10.96)	%
Net Income - Diluted	$	1.30	$	1.46	$	(0.16)	(10.96)	%
Dividend Per Share - Quarterly	$	1.08	$	1.08	$	0.00	0.00	%
Dividend Per Share - Special	$	0.00	$	0.10	$	(0.10)	(100.00)	%
Number of Shares Used in Computation - Basic		14,743,386		13,298,736
Number of Shares Used in Computation - Diluted		14,747,048		13,321,559

(1)	Basic and diluted net income per common share are determined based on net income less earnings allocated to nonvested restricted shares with nonforfeitable dividends.

CONDENSED, CONSOLIDATED BALANCE SHEET DATA

(In Thousands) (Unaudited)


	December 31,		December 31,		December 31, 2020 vs 2019
	2020		2019		$ Incr. (Decr.)		% Incr. (Decr.)
ASSETS
Cash & Due from Banks	$	101,857	$	35,202	$	66,655	189.35	%
Available-for-sale Debt Securities		349,332		346,723		2,609	0.75	%
Loans Held for Sale		942		767		175	22.82	%
Loans, Net		1,632,824		1,172,386		460,438	39.27	%
Bank-Owned Life Insurance		30,096		18,641		11,455	61.45	%
Bank Premises and Equipment, net		21,526		17,170		4,356	25.37	%
Intangible Assets		56,356		29,635		26,721	90.17	%
Other Assets		46,167		33,621		12,546	37.32	%
TOTAL ASSETS	$	2,239,100	$	1,654,145	$	584,955	35.36	%

LIABILITIES
Deposits	$	1,820,469	$	1,252,660	$	567,809	45.33	%
Repo Sweep Accounts		1,956		1,928		28	1.45	%
Total Deposits and Repo Sweeps		1,822,425		1,254,588		567,837	45.26	%
Borrowed Funds		72,674		136,419		(63,745)	(46.73)	%
Subordinated Debt		16,553		6,500		10,053	154.66	%
Other Liabilities		27,692		12,186		15,506	127.24	%
TOTAL LIABILITIES		1,939,344		1,409,693		529,651	37.57	%

SHAREHOLDERS' EQUITY
Common Shareholders' Equity, Excluding Accumulated
Other Comprehensive Income (Loss)		287,961		240,761		47,200	19.60	%
Accumulated Other Comprehensive Income (Loss):
Net Unrealized Gains/Losses on Available-for-sale Debt Securities		11,676		3,511		8,165	232.55	%
Defined Benefit Plans		119		180		(61)	(33.89)	%
TOTAL SHAREHOLDERS' EQUITY		299,756		244,452		55,304	22.62	%
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY	$	2,239,100	$	1,654,145	$	584,955	35.36	%

EX-99.3 4 cznc-20210121xex99d3.htm EX-99.3

EXHIBIT 99.3 – Supplemental, Unaudited Financial Information

CONDENSED, CONSOLIDATED FINANCIAL HIGHLIGHTS

(Dollars In Thousands, Except Per Share Data)

(Unaudited)


	AS OF OR FOR THE
	YEARS ENDED						%
	December 31,						INCREASE
	2020			2019			(DECREASE)
EARNINGS PERFORMANCE
Net Income	$	19,222		$	19,504		(1.45)	%
Return on Average Assets (Annualized)		0.96	%		1.27	%	(24.41)	%
Return on Average Equity (Annualized)		7.03	%		8.50	%	(17.29)	%

BALANCE SHEET HIGHLIGHTS
Total Assets	$	2,239,100		$	1,654,145		35.36	%
Available-for-Sale Debt Securities		349,332			346,723		0.75	%
Loans (Net)		1,632,824			1,172,386		39.27	%
Allowance for Loan Losses		11,385			9,836		15.75	%
Deposits and Repo Sweep Accounts		1,822,425			1,254,588		45.26	%

OFF-BALANCE SHEET
Outstanding Balance of Mortgage Loans Sold with Servicing Retained	$	278,857		$	178,446		56.27	%
Trust Assets Under Management		1,103,228			1,007,113		9.54	%

SHAREHOLDERS' VALUE (PER COMMON SHARE)
Net Income - Basic	$	1.30		$	1.46		(10.96)	%
Net Income - Diluted	$	1.30		$	1.46		(10.96)	%
Dividends - Quarterly	$	1.08		$	1.08		0.00	%
Dividends - Special	$	0.00		$	0.10		(100.00)	%
Common Book Value	$	18.84		$	17.82		5.72	%
Tangible Common Book Value (a)	$	15.30		$	15.66		(2.30)	%
Market Value (Last Trade)	$	19.84		$	28.25		(29.77)	%
Market Value / Common Book Value		105.31	%		158.53	%	(33.57)	%
Market Value / Tangible Common Book Value		129.67	%		180.40	%	(28.12)	%
Price Earnings Multiple (Annualized)		15.26			19.35		(21.14)	%
Dividend Yield (Annualized, Excluding Special Dividend)		5.44	%		3.82	%	42.41	%
Common Shares Outstanding, End of Period		15,911,984			13,716,445		16.01	%

CONDENSED, CONSOLIDATED FINANCIAL HIGHLIGHTS (Continued)

(Dollars In Thousands, Except Per Share Data)

(Unaudited)


	AS OF OR FOR THE
	YEARS ENDED						%
	December 31,						INCREASE
	2020			2019			(DECREASE)
SAFETY AND SOUNDNESS
Tangible Common Equity / Tangible Assets (a)		11.15	%		13.22	%	(15.66)	%
Nonperforming Assets / Total Assets		1.10	%		0.80	%	37.50	%
Allowance for Loan Losses / Total Loans		0.69	%		0.83	%	(16.87)	%
Total Risk Based Capital Ratio (b)		17.49	%		20.58	%	(15.01)	%
Tier 1 Risk Based Capital Ratio (b)		15.58	%		19.08	%	(18.34)	%
Common Equity Tier 1 Risk Based Capital Ratio (b)		15.58	%		19.08	%	(18.34)	%
Leverage Ratio (b)		10.34	%		13.10	%	(21.07)	%

AVERAGE BALANCES
Average Assets	$	2,009,825		$	1,540,469		30.47	%
Average Equity	$	273,351		$	229,446		19.14	%

EFFICIENCY RATIO (c)
Net Interest Income on a Fully Taxable-Equivalent
Basis (c)	$	68,545		$	55,532		23.43	%
Noninterest Income		24,344			19,284		26.24	%
Total (1)	$	92,889		$	74,816		24.16	%
Noninterest Expense Excluding Merger Expenses (2)	$	55,609		$	45,438		22.38	%
Efficiency Ratio = (2)/(1)		59.87	%		60.73	%	(1.42)	%

(a)Tangible book value per common share and tangible common equity as a percentage of tangible assets are non-U.S. GAAP ratios. Management believes this non-GAAP information is helpful in evaluating the strength of the Corporation's capital and in providing an alternative, conservative valuation of the Corporation's net worth. The ratios shown above are based on the following calculations of tangible assets and tangible common equity:


Total Assets	$	2,239,100	$	1,654,145
Less: Intangible Assets, Primarily Goodwill		(56,356)		(29,635)
Tangible Assets	$	2,182,744	$	1,624,510
Total Shareholders' Equity	$	299,756	$	244,452
Less: Intangible Assets, Primarily Goodwill		(56,356)		(29,635)
Tangible Common Equity (3)	$	243,400	$	214,817

Common Shares Outstanding, End of Period (4)		15,911,984		13,716,445
Tangible Common Book Value per Share = (3)/(4)	$	15.30	$	15.66

(b)Capital ratios for the most recent period are estimated.

(c)The efficiency ratio is a non-GAAP ratio that is calculated as shown above. For purposes of calculating the efficiency ratio, net interest income on a fully taxable-equivalent basis includes amounts of interest income on tax-exempt securities and loans that have been increased to a fully taxable-equivalent basis, using the Corporation's marginal federal income tax rate of 21%. In the calculation above, management excluded merger-related expenses, loss on prepayment of borrowings and net gains on available-for-sale debt securities.

QUARTERLY CONDENSED, CONSOLIDATED

INCOME STATEMENT INFORMATION

(Dollars In Thousands, Except Per Share Data)

(Unaudited)


	For the Three Months Ended :
	December 31,		September 30,		June 30,		March 31,		December 31,		September 30,		June 30,		March 31,
	2020		2020		2020		2020		2019		2019		2019		2019
Interest income	$	21,859	$	21,751	$	16,513	$	17,037	$	17,290	$	17,277	$	17,139	$	13,065
Interest expense		2,104		2,469		2,267		2,755		2,999		3,000		2,934		1,350
Net interest income		19,755		19,282		14,246		14,282		14,291		14,277		14,205		11,715
Provision (credit) for loan losses		620		1,941		(176)		1,528		652		1,158		(4)		(957)
Net interest income after provision (credit) for loan losses		19,135		17,341		14,422		12,754		13,639		13,119		14,209		12,672
Noninterest income		6,565		6,970		5,528		5,281		5,066		4,963		4,849		4,406
Net gains on securities		144		25		0		0		3		13		7		0
Loss on prepayment of borrowings		1,636		0		0		0		0		0		0		0
Merger-related expenses		182		6,402		983		141		281		206		3,301		311
Other noninterest expenses		15,775		14,648		12,274		12,912		11,834		11,486		11,422		10,696
Income before income tax provision		8,251		3,286		6,693		4,982		6,593		6,403		4,342		6,071
Income tax provision		1,481		438		1,255		816		1,135		1,096		693		981
Net income	$	6,770	$	2,848	$	5,438	$	4,166	$	5,458	$	5,307	$	3,649	$	5,090
Net income attributable to common shares	$	6,727	$	2,830	$	5,405	$	4,146	$	5,431	$	5,281	$	3,630	$	5,063
Basic earnings per common share	$	0.43	$	0.18	$	0.39	$	0.30	$	0.40	$	0.39	$	0.27	$	0.41
Diluted earnings per common share	$	0.43	$	0.18	$	0.39	$	0.30	$	0.40	$	0.39	$	0.27	$	0.41

QUARTERLY CONDENSED, CONSOLIDATED

BALANCE SHEET INFORMATION

(In Thousands) (Unaudited)


	As of:
	Dec. 31,		Sep. 30,		Jun. 30,		Mar. 31,		Dec. 31,		Sep. 30,		Jun. 30,		Mar. 31,
	2020		2020		2020		2020		2019		2019		2019		2019
ASSETS
Cash & Due from Banks	$	101,857	$	174,478	$	77,642	$	32,678	$	35,202	$	51,443	$	39,505	$	44,002
Available-for-Sale Debt Securities		349,332		340,545		332,188		342,416		346,723		363,467		363,465		357,646
Loans Held for Sale		942		1,200		1,258		579		767		2,033		1,131		0
Loans, Net		1,632,824		1,680,617		1,230,387		1,156,143		1,172,386		1,130,143		1,108,483		817,136
Bank-Owned Life Insurance		30,096		29,942		18,843		18,745		18,641		18,535		18,430		18,331
Bank Premises and Equipment, net		21,526		21,504		18,332		18,023		17,170		16,038		16,114		14,663
Intangible Assets		56,356		56,585		29,511		29,573		29,635		29,939		30,013		11,949
Other Assets		46,167		47,922		37,305		31,288		33,621		30,989		32,544		26,273
TOTAL ASSETS	$	2,239,100	$	2,352,793	$	1,745,466	$	1,629,445	$	1,654,145	$	1,642,587	$	1,609,685	$	1,290,000

LIABILITIES
Deposits	$	1,820,469	$	1,871,514	$	1,381,178	$	1,249,912	$	1,252,660	$	1,294,882	$	1,284,143	$	1,039,911
Repo Sweep Accounts		1,956		2,313		2,204		2,407		1,928		3,767		3,192		5,132
Total Deposits and Repo Sweeps		1,822,425		1,873,827		1,383,382		1,252,319		1,254,588		1,298,649		1,287,335		1,045,043
Borrowed Funds		72,674		141,344		85,104		108,144		136,419		75,714		62,574		32,844
Subordinated Debt		16,553		16,572		6,500		6,500		6,500		7,000		7,000		0
Other Liabilities		27,692		24,734		14,689		11,254		12,186		18,285		13,060		9,986
TOTAL LIABILITIES		1,939,344		2,056,477		1,489,675		1,378,217		1,409,693		1,399,648		1,369,969		1,087,873

SHAREHOLDERS' EQUITY
Common Shareholders' Equity, Excluding Accumulated Other Comprehensive Income (Loss)		287,961		284,707		244,080		241,754		240,761		238,479		236,284		202,768
Accumulated Other Comprehensive Income (Loss):
Net Unrealized Gains (Losses) on Available-for-sale Securities		11,676		11,376		11,472		9,230		3,511		4,173		3,138		(941)
Defined Benefit Plans Adjustment, Net		119		233		239		244		180		287		294		300
TOTAL SHAREHOLDERS' EQUITY		299,756		296,316		255,791		251,228		244,452		242,939		239,716		202,127
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY	$	2,239,100	$	2,352,793	$	1,745,466	$	1,629,445	$	1,654,145	$	1,642,587	$	1,609,685	$	1,290,000

AVAILABLE-FOR-SALE DEBT SECURITIES

(In Thousands)


	December 31, 2020				September 30, 2020				December 31, 2019
	Amortized		Fair		Amortized		Fair		Amortized		Fair
	Cost		Value		Cost		Value		Cost		Value

Obligations of the U.S. Treasury	$	12,184	$	12,182	$	12,228	$	12,226	$	0	$	0
Obligations of U.S. Government agencies		25,349		26,344		15,348		16,355		16,380		17,000
Obligations of states and political subdivisions:
Tax-exempt		116,427		122,401		104,821		109,668		68,787		70,760
Taxable		45,230		47,452		42,079		44,195		35,446		36,303
Mortgage-backed securities issued or guaranteed by U.S. Government agencies or sponsored agencies:
Residential pass-through securities		36,853		38,176		44,697		46,211		58,875		59,210
Residential collateralized mortgage obligations		56,048		57,467		67,635		69,337		115,025		114,723
Commercial mortgage-backed securities		42,461		45,310		39,337		42,553		47,765		48,727
Total Available-for-Sale Debt Securities	$	334,552	$	349,332	$	326,145	$	340,545	$	342,278	$	346,723

Summary of Loans by Type

(Excludes Loans Held for Sale)

(In Thousands)


	December 31,		September 30,		December 31,
	2020		2020		2019
Residential mortgage:
Residential mortgage loans - first liens	$	532,947	$	541,827	$	510,641
Residential mortgage loans - junior liens		27,311		27,907		27,503
Home equity lines of credit		39,301		40,143		33,638
1-4 Family residential construction		20,613		29,146		14,798
Total residential mortgage		620,172		639,023		586,580
Commercial:
Commercial loans secured by real estate		531,810		530,874		301,227
Commercial and industrial		159,577		156,169		126,374
Small Business Administration - Paycheck Protection Program		132,269		163,050		0
Political subdivisions		53,221		47,883		53,570
Commercial construction and land		42,874		41,906		33,555
Loans secured by farmland		11,736		11,913		12,251
Multi-family (5 or more) residential		55,811		62,330		31,070
Agricultural loans		3,164		3,561		4,319
Other commercial loans		17,289		17,385		16,535
Total commercial		1,007,751		1,035,071		578,901
Consumer		16,286		17,276		16,741
Total		1,644,209		1,691,370		1,182,222
Less: allowance for loan losses		(11,385)		(10,753)		(9,836)
Loans, net	$	1,632,824	$	1,680,617	$	1,172,386

Loans Held for Sale

(In Thousands)


	December 31,		September 30,		December 31,
	2020		2020		2019
Residential mortgage loans originated and serviced - outstanding balance	$	279,799	$	255,662	$	179,213
Less: outstanding balance of loans sold		(278,857)		(254,462)		(178,446)
Loans held for sale, net	$	942	$	1,200	$	767

ANALYSIS OF THE ALLOWANCE FOR LOAN LOSSES

(In Thousands)


	3 Months		3 Months		Year		Year
	Ended		Ended		Ended		Ended
	December 31,		September 30,		December 31,		December 31,
	2020		2020		2020		2019
Balance, beginning of period	$	10,753	$	11,026	$	9,836	$	9,309
Charge-offs		(22)		(2,249)		(2,465)		(379)
Recoveries		34		35		101		57
Net recoveries (charge-offs)		12		(2,214)		(2,364)		(322)
Provision for loan losses		620		1,941		3,913		849
Balance, end of period	$	11,385	$	10,753	$	11,385	$	9,836

PAST DUE AND IMPAIRED LOANS, NONPERFORMING ASSETS

AND TROUBLED DEBT RESTRUCTURINGS (TDRs)

(Dollars In Thousands)


	December 31,			September 30,			December 31,
	2020			2020			2019
Impaired loans with a valuation allowance	$	8,082		$	8,085		$	3,375
Impaired loans without a valuation allowance		2,895			3,080			1,670
Purchased credit impaired loans		6,841			7,447			441
Total impaired loans	$	17,818		$	18,612		$	5,486

Total loans past due 30-89 days and still accruing	$	5,918		$	3,499		$	8,889

Nonperforming assets:
Purchased credit impaired loans	$	6,841		$	7,447		$	441
Other nonaccrual loans		14,575			15,349			8,777
Total nonaccrual loans		21,416			22,796			9,218
Total loans past due 90 days or more and still accruing		1,975			2,308			1,207
Total nonperforming loans		23,391			25,104			10,425
Foreclosed assets held for sale (real estate)		1,338			2,369			2,886
Total nonperforming assets	$	24,729		$	27,473		$	13,311

Loans subject to troubled debt restructurings (TDRs):
Performing	$	166		$	258		$	889
Nonperforming		7,285			7,779			1,737
Total TDRs	$	7,451		$	8,037		$	2,626

Total nonperforming loans as a % of loans		1.42	%		1.48	%		0.88	%
Total nonperforming assets as a % of assets		1.10	%		1.17	%		0.80	%
Allowance for loan losses as a % of total loans		0.69	%		0.64	%		0.83	%
Credit adjustment on purchased non-impaired loans and allowance for loan losses as a % of total loans and the credit adjustment (a)		1.05	%		1.05	%		0.93	%
Allowance for loan losses as a % of nonperforming loans		48.67	%		42.83	%		94.35	%
(a) Credit adjustment on purchased non-impaired loans at end of period	$	5,979		$	7,127		$	1,216
Allowance for loan losses		11,385			10,753			9,836
Total credit adjustment on purchased non-impaired loans at end of period and allowance for loan losses (1)	$	17,364		$	17,880		$	11,052
Total loans receivable	$	1,644,209		$	1,691,370		$	1,182,222
Credit adjustment on purchased non-impaired loans at end of period		5,979			7,127			1,216
Total (2)	$	1,650,188		$	1,698,497		$	1,183,438
Credit adjustment on purchased non-impaired loans and allowance for loan losses as a % of total loans and the credit adjustment (1)/(2)		1.05	%		1.05	%		0.93	%

SUMMARY OF SELECTED FAIR VALUE ADJUSTMENTS RELATED TO ACQUISITION OF

COVENANT FINANCIAL, INC


(In Thousands)					Borrowed		Subordinated
	Loans		Deposits		Funds		Debt
Amortized cost at acquisition	$	472,012	$	479,846	$	62,700	$	10,000
Fair value adjustments:
Market rates		2,909		1,950		1,275		91
Credit adjustment on non-impaired loans		(7,219)
Credit adjustment on impaired loans		(3,466)
Fair value at acquisition	$	464,236	$	481,796	$	63,975	$	10,091
Increase (decrease) in interest income
recognized in 2020 from fair value adjustments related to:
Market rates	$	(1,442)
Credit adjustment on non-impaired loans		1,857
Total	$	415
(Decrease) in interest expense recognized in 2020
from fair value adjustments related to market rates			$	(979)	$	(424)	$	(38)

ADJUSTMENTS TO GROSS AMORTIZED COST OF LOANS – TOTAL INCLUDING ACQUISITIONS OF

COVENANT FINANCIAL, INC. AND MONUMENT BANCORP, INC.


(In Thousands)
	Three Months Ended				Year ended
	December 31,		December 31,		December 31,		December 31,
	2020		2019		2020		2019
Market Rate Adjustment
Adjustments to gross amortized cost of loans at beginning of period	$	1,354	$	(1,548)	$	(1,415)	$	0
Market rate adjustment recorded in acquisition		0		0		2,909		(1,807)
(Amortization) accretion recognized in interest income		(636)		133		(776)		392
Adjustments to gross amortized cost of loans at end of period	$	718	$	(1,415)	$	718	$	(1,415)
Credit Adjustment on Non-impaired Loans
Adjustments to gross amortized cost of loans at beginning of period	$	(7,127)	$	(1,393)	$	(1,216)	$	0
Credit adjustment recorded in acquisition		0		0		(7,219)		(1,914)
Accretion recognized in interest income		1,148		177		2,456		698
Adjustments to gross amortized cost of loans at end of period	$	(5,979)	$	(1,216)	$	(5,979)	$	(1,216)

PURCHASED CREDIT IMPAIRED (PCI) LOANS – TOTAL INCLUDING PCI LOANS ACQUIRED FROM

COVENANT FINANCIAL, INC. AND MONUMENT BANCORP, INC.


(In Thousands)
	December 31,		December 31,
	2020		2019
Outstanding balance	$	10,316	$	759
Carrying amount		6,841		441

Analysis of Average Daily Balances and Rates

(Dollars in Thousands)


	3 Months				3 Months				3 Months
	Ended		Rate of		Ended		Rate of		Ended		Rate of
	12/31/2020		Return/		9/30/2020		Return/		12/31/2019		Return/
	Average		Cost of		Average		Cost of		Average		Cost of
	Balance		Funds %		Balance		Funds %		Balance		Funds %
EARNING ASSETS
Interest-bearing due from banks	$	116,475	0.20	%	$	147,543	0.19	%	$	17,577	2.03	%
Available-for-sale debt securities, at amortized cost:
Taxable		217,321	1.98	%		227,483	2.59	%		280,333	2.29	%
Tax-exempt		113,888	2.78	%		94,058	2.95	%		69,482	3.01	%
Total available-for-sale debt securities		331,209	2.26	%		321,541	2.70	%		349,815	2.43	%
Loans receivable:
Taxable		1,454,733	4.96	%		1,480,247	4.91	%		1,100,170	5.28	%
Paycheck Protection Program (Taxable)		152,504	3.90	%		162,234	2.18	%		0
Tax-exempt		62,309	3.38	%		63,111	3.57	%		66,195	3.81	%
Total loans receivable		1,669,546	4.81	%		1,705,592	4.60	%		1,166,365	5.20	%
Other earning assets		2,390	3.16	%		3,361	3.55	%		1,721	3.23	%
Total Earning Assets		2,119,620	4.15	%		2,178,037	4.02	%		1,535,478	4.53	%
Cash		31,312				33,291				19,983
Unrealized gain/loss on securities		13,875				15,277				5,056
Allowance for loan losses		(11,107)				(11,473)				(9,469)
Bank-owned life insurance		30,002				30,078				18,573
Bank premises and equipment		21,539				21,763				16,801
Intangible assets		56,863				57,008				29,902
Other assets		45,491				48,451				34,551
Total Assets	$	2,307,595			$	2,372,432			$	1,650,875

INTEREST-BEARING LIABILITIES
Interest-bearing deposits:
Interest checking	$	371,425	0.25	%	$	382,997	0.28	%	$	221,052	0.44	%
Money market		389,993	0.32	%		386,848	0.38	%		202,217	0.52	%
Savings		202,679	0.11	%		201,401	0.11	%		169,342	0.16	%
Time deposits		416,281	0.87	%		449,964	0.96	%		379,446	1.81	%
Total interest-bearing deposits		1,380,378	0.43	%		1,421,210	0.50	%		972,057	0.94	%
Borrowed funds:
Short-term		27,422	0.46	%		44,660	0.65	%		54,705	2.03	%
Long-term		93,835	1.36	%		102,857	1.40	%		56,564	2.03	%
Subordinated debt		16,562	5.91	%		16,540	5.94	%		7,000	6.57	%
Total borrowed funds		137,819	1.73	%		164,057	1.65	%		118,269	2.30	%
Total Interest-bearing Liabilities		1,518,197	0.55	%		1,585,267	0.62	%		1,090,326	1.09	%
Demand deposits		465,252				463,333				299,090
Other liabilities		26,746				26,367				18,446
Total Liabilities		2,010,195				2,074,967				1,407,862
Stockholders' equity, excluding accumulated other comprehensive income/loss		286,209				285,158				238,738
Accumulated other comprehensive income/loss		11,191				12,307				4,275
Total Shareholders' Equity		297,400				297,465				243,013
Total Liabilities and Shareholders' Equity	$	2,307,595			$	2,372,432			$	1,650,875
Interest Rate Spread			3.60	%			3.40	%			3.44	%
Net Interest Income/Earning Assets			3.76	%			3.57	%			3.75	%

Total Deposits (Interest-bearing and Demand)	$	1,845,630			$	1,884,543			$	1,271,147

(1)Annualized rates of return on tax-exempt securities and loans are presented on a fully taxable-equivalent basis, using the Corporation’s marginal federal income tax rate of 21%.

(2)	Nonaccrual loans have been included with loans for the purpose of analyzing net interest earnings.

(3)	Rates of return on earning assets and costs of funds have been presented on an annualized basis.

Analysis of Average Daily Balances and Rates

(Dollars in Thousands)


	Year				Year
	Ended		Rate of		Ended		Rate of
	12/31/2020		Return/		12/31/2019		Return/
	Average		Cost of		Average		Cost of
	Balance		Funds %		Balance		Funds%
EARNING ASSETS
Interest-bearing due from banks	$	80,587	0.31	%	$	21,711	2.37	%
Available-for-sale debt securities, at amortized cost:
Taxable		238,407	2.32	%		284,072	2.47	%
Tax-exempt		90,038	2.96	%		73,212	3.45	%
Total available-for-sale debt securities		328,445	2.50	%		357,284	2.67	%
Loans receivable:
Taxable		1,285,383	5.01	%		988,560	5.37	%
Paycheck Protection Program (Taxable)		98,466	2.97	%		0
Tax-exempt		61,249	3.63	%		68,999	3.82	%
Total loans receivable		1,445,098	4.82	%		1,057,559	5.27	%
Other earning assets		2,357	3.39	%		1,439	3.13	%
Total Earning Assets		1,856,487	4.21	%		1,437,993	4.58	%
Cash		25,439				19,906
Unrealized gain/loss on securities		12,487				1,347
Allowance for loan losses		(11,018)				(8,876)
Bank-owned life insurance		24,415				18,543
Bank premises and equipment		19,826				15,914
Intangible assets		43,330				25,531
Other assets		38,859				30,111
Total Assets	$	2,009,825			$	1,540,469

INTEREST-BEARING LIABILITIES
Interest-bearing deposits:
Interest checking	$	310,782	0.31	%	$	217,910	0.53	%
Money market		298,736	0.39	%		194,849	0.49	%
Savings		189,316	0.12	%		167,677	0.15	%
Time deposits		397,974	1.23	%		344,446	1.69	%
Total interest-bearing deposits		1,196,808	0.60	%		924,882	0.89	%
Borrowed funds:
Short-term		34,212	1.07	%		33,521	2.19	%
Long-term		83,500	1.55	%		43,917	2.31	%
Subordinated debt		11,553	6.11	%		5,274	6.58	%
Total borrowed funds		129,265	1.83	%		82,712	2.53	%
Total Interest-bearing Liabilities		1,326,073	0.72	%		1,007,594	1.02	%
Demand deposits		389,601				288,805
Other liabilities		20,800				14,624
Total Liabilities		1,736,474				1,311,023
Stockholders' equity, excluding accumulated other comprehensive income/loss		263,253				228,103
Accumulated other comprehensive income/loss		10,098				1,343
Total Shareholders' Equity		273,351				229,446
Total Liabilities and Shareholders' Equity	$	2,009,825			$	1,540,469
Interest Rate Spread			3.49	%			3.56	%
Net Interest Income/Earning Assets			3.69	%			3.86	%
Total Deposits (Interest-bearing and Demand)	$	1,586,409			$	1,213,687

(1)Annualized rates of return on tax-exempt securities and loans are presented on a fully taxable-equivalent basis, using the Corporation’s marginal federal income tax rate of 21%.

(2)	Nonaccrual loans have been included with loans for the purpose of analyzing net interest earnings.

(3)	Rates of return on earning assets and costs of funds have been presented on an annualized basis.

COMPARISON OF NONINTEREST INCOME

(In Thousands)


	Three Months Ended						Year Ended
	December 31,		September 30,		December 31,		December 31,		December 31,
	2020		2020		2019		2020		2019
Trust and financial management revenue	$	1,682	$	1,595	$	1,684	$	6,321	$	6,106
Brokerage revenue		316		351		265		1,343		1,266
Insurance commissions, fees and premiums		58		41		18		184		167
Service charges on deposit accounts		1,105		1,045		1,395		4,231		5,358
Service charges and fees		74		83		73		304		332
Interchange revenue from debit card transactions		817		828		690		3,094		2,754
Net gains from sales of loans		1,472		2,052		306		5,403		924
Loan servicing fees, net		198		(87)		91		(61)		100
Increase in cash surrender value of life insurance		154		159		106		515		402
Other noninterest income		689		903		438		3,010		1,875
Total noninterest income, excluding realized gains on securities, net	$	6,565	$	6,970	$	5,066	$	24,344	$	19,284

COMPARISON OF NONINTEREST EXPENSE

(In Thousands)


	Three Months Ended						Year Ended
	December 31,		September 30,		December 31,		December 31,		December 31,
	2020		2020		2019		2020		2019
Salaries and wages	$	8,062	$	6,833	$	5,395	$	25,599	$	20,644
Pensions and other employee benefits		1,936		1,870		1,545		7,463		5,837
Occupancy expense, net		795		806		653		3,010		2,629
Furniture and equipment expense		399		383		322		1,451		1,289
Data processing expenses		1,144		1,251		836		4,453		3,403
Automated teller machine and interchange expense		319		340		340		1,231		1,103
Pennsylvania shares tax		422		422		345		1,689		1,380
Professional fees		427		422		274		1,692		1,069
Telecommunications		213		231		207		863		744
Directors' fees		207		175		187		730		673
Other noninterest expense		1,851		1,915		1,730		7,428		6,667
Total noninterest expense, excluding merger-related expenses and loss on prepayment of borrowings		15,775		14,648		11,834		55,609		45,438
Merger-related expenses		182		6,402		281		7,708		4,099
Loss on prepayment of borrowings		1,636		0		0		1,636		0
Total noninterest expense	$	17,593	$	21,050	$	12,115	$	64,953	$	49,537

GRAPHIC 5 cznc-20210121xex99d1001.jpg GRAPHIC begin 644 cznc-20210121xex99d1001.jpg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end GRAPHIC 6 cznc-20210121xex99d2001.jpg GRAPHIC begin 644 cznc-20210121xex99d2001.jpg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end GRAPHIC 7 cznc-20210121xex99d2002.jpg GRAPHIC begin 644 cznc-20210121xex99d2002.jpg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cznc-20210121xex99d3001.jpg GRAPHIC begin 644 cznc-20210121xex99d3001.jpg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end EX-101.SCH 9 cznc-20210121.xsd EX-101.SCH 00090 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink EX-101.LAB 10 cznc-20210121_lab.xml EX-101.LAB Document and Entity Information [Abstract] Document Type Document Period End Date Entity File Number Entity Registrant Name Entity Incorporation, State or Country Code Entity Tax Identification Number Entity Address, Address Line One Entity Address, City or Town Entity Address, State or Province Entity Address, Postal Zip Code City Area Code Local Phone Number Written Communications Soliciting Material Pre-commencement Tender Offer Pre-commencement Issuer Tender Offer Title of 12(b) Security Trading Symbol Security Exchange Name Entity Emerging Growth Company Entity Central Index Key Amendment Flag EX-101.PRE 11 cznc-20210121_pre.xml EX-101.PRE XML 12 cznc-20210121x8k_htm.xml IDEA: XBRL DOCUMENT 0000810958 2021-01-21 2021-01-21 0000810958 false 8-K 2021-01-21 CITIZENS & NORTHERN CORPORATION PA 0-16084 23-2451943 90-92 Main Street Wellsboro PA 16901 570 724-3411 false false false false Common Stock Par Value $1.00 CZNC NASDAQ false XML 13 R1.htm IDEA: XBRL DOCUMENT v3.20.4

Document and Entity Information

Jan. 21, 2021

Document and Entity Information [Abstract]

Document Type 8-K

Document Period End Date Jan. 21, 2021

Entity File Number 0-16084

Entity Registrant Name CITIZENS & NORTHERN CORPORATION

Entity Incorporation, State or Country Code PA

Entity Tax Identification Number 23-2451943

Entity Address, Address Line One 90-92 Main Street

Entity Address, City or Town Wellsboro

Entity Address, State or Province PA

Entity Address, Postal Zip Code 16901

City Area Code 570

Local Phone Number 724-3411

Written Communications false

Soliciting Material false

Pre-commencement Tender Offer false

Pre-commencement Issuer Tender Offer false

Title of 12(b) Security Common Stock Par Value $1.00

Trading Symbol CZNC

Security Exchange Name NASDAQ

Entity Emerging Growth Company false

Entity Central Index Key 0000810958

Amendment Flag false

X

- Definition
Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.
+ References
No definition available.
+ Details

Name: dei_AmendmentFlag

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
Area code of city
+ References
No definition available.
+ Details

Name: dei_CityAreaCode

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Cover page.
+ References
No definition available.
+ Details

Name: dei_CoverAbstract

Namespace Prefix: dei_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.
+ References
No definition available.
+ Details

Name: dei_DocumentPeriodEndDate

Namespace Prefix: dei_

Data Type: xbrli:dateItemType

Balance Type: na

Period Type: duration

X

- Definition
The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.
+ References
No definition available.
+ Details

Name: dei_DocumentType

Namespace Prefix: dei_

Data Type: dei:submissionTypeItemType

Balance Type: na

Period Type: duration

X

- Definition
Address Line 1 such as Attn, Building Name, Street Name
+ References
No definition available.
+ Details

Name: dei_EntityAddressAddressLine1

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Name of the City or Town
+ References
No definition available.
+ Details

Name: dei_EntityAddressCityOrTown

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Code for the postal or zip code
+ References
No definition available.
+ Details

Name: dei_EntityAddressPostalZipCode

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Name of the state or province.
+ References
No definition available.
+ Details

Name: dei_EntityAddressStateOrProvince

Namespace Prefix: dei_

Data Type: dei:stateOrProvinceItemType

Balance Type: na

Period Type: duration

X

- Definition
A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation 12B
-Number 240
-Section 12
-Subsection b-2
+ Details

Name: dei_EntityCentralIndexKey

Namespace Prefix: dei_

Data Type: dei:centralIndexKeyItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate if registrant meets the emerging growth company criteria.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation 12B
-Number 240
-Section 12
-Subsection b-2
+ Details

Name: dei_EntityEmergingGrowthCompany

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.
+ References
No definition available.
+ Details

Name: dei_EntityFileNumber

Namespace Prefix: dei_

Data Type: dei:fileNumberItemType

Balance Type: na

Period Type: duration

X

- Definition
Two-character EDGAR code representing the state or country of incorporation.
+ References
No definition available.
+ Details

Name: dei_EntityIncorporationStateCountryCode

Namespace Prefix: dei_

Data Type: dei:edgarStateCountryItemType

Balance Type: na

Period Type: duration

X

- Definition
The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation 12B
-Number 240
-Section 12
-Subsection b-2
+ Details

Name: dei_EntityRegistrantName

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation 12B
-Number 240
-Section 12
-Subsection b-2
+ Details

Name: dei_EntityTaxIdentificationNumber

Namespace Prefix: dei_

Data Type: dei:employerIdItemType

Balance Type: na

Period Type: duration

X

- Definition
Local phone number for entity.
+ References
No definition available.
+ Details

Name: dei_LocalPhoneNumber

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Exchange Act
-Number 240
-Section 13e
-Subsection 4c
+ Details

Name: dei_PreCommencementIssuerTenderOffer

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Exchange Act
-Number 240
-Section 14d
-Subsection 2b
+ Details

Name: dei_PreCommencementTenderOffer

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
Title of a 12(b) registered security.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Exchange Act
-Number 240
-Section 12
-Subsection b
+ Details

Name: dei_Security12bTitle

Namespace Prefix: dei_

Data Type: dei:securityTitleItemType

Balance Type: na

Period Type: duration

X

- Definition
Name of the Exchange on which a security is registered.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Exchange Act
-Number 240
-Section 12
-Subsection d1-1
+ Details

Name: dei_SecurityExchangeName

Namespace Prefix: dei_

Data Type: dei:edgarExchangeCodeItemType

Balance Type: na

Period Type: duration

X

- Definition
Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Exchange Act
-Section 14a
-Number 240
-Subsection 12
+ Details

Name: dei_SolicitingMaterial

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
Trading symbol of an instrument as listed on an exchange.
+ References
No definition available.
+ Details

Name: dei_TradingSymbol

Namespace Prefix: dei_

Data Type: dei:tradingSymbolItemType

Balance Type: na

Period Type: duration

X

- Definition
Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Securities Act
-Number 230
-Section 425
+ Details

Name: dei_WrittenCommunications

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

EXCEL 14 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 15 Show.js IDEA: XBRL DOCUMENT // Edgar(tm) Renderer was created by staff of the U.S. Securities and Exchange Commission. Data and content created by government employees within the scope of their employment are not subject to domestic copyright protection. 17 U.S.C. 105. var Show={};Show.LastAR=null,Show.showAR=function(a,r,w){if(Show.LastAR)Show.hideAR();var e=a;while(e&&e.nodeName!='TABLE')e=e.nextSibling;if(!e||e.nodeName!='TABLE'){var ref=((window)?w.document:document).getElementById(r);if(ref){e=ref.cloneNode(!0); e.removeAttribute('id');a.parentNode.appendChild(e)}} if(e)e.style.display='block';Show.LastAR=e};Show.hideAR=function(){Show.LastAR.style.display='none'};Show.toggleNext=function(a){var e=a;while(e.nodeName!='DIV')e=e.nextSibling;if(!e.style){}else if(!e.style.display){}else{var d,p_;if(e.style.display=='none'){d='block';p='-'}else{d='none';p='+'} e.style.display=d;if(a.textContent){a.textContent=p+a.textContent.substring(1)}else{a.innerText=p+a.innerText.substring(1)}}} XML 16 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 17 FilingSummary.xml IDEA: XBRL DOCUMENT 3.20.4 html 1 96 1 false 0 0 false 0 false false R1.htm 00090 - Document - Document and Entity Information Sheet http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation Document and Entity Information Cover 1 false false All Reports Book All Reports cznc-20210121x8k.htm cznc-20210121.xsd cznc-20210121_lab.xml cznc-20210121_pre.xml cznc-20210121xex99d1.htm cznc-20210121xex99d2.htm cznc-20210121xex99d3.htm http://xbrl.sec.gov/dei/2020-01-31 true false JSON 19 MetaLinks.json IDEA: XBRL DOCUMENT { "instance": { "cznc-20210121x8k.htm": { "axisCustom": 0, "axisStandard": 0, "contextCount": 1, "dts": { "inline": { "local": [ "cznc-20210121x8k.htm" ] }, "labelLink": { "local": [ "cznc-20210121_lab.xml" ], "remote": [ "https://xbrl.sec.gov/dei/2020/dei-doc-2020-01-31.xml" ] }, "presentationLink": { "local": [ "cznc-20210121_pre.xml" ] }, "referenceLink": { "remote": [ "https://xbrl.sec.gov/dei/2020/dei-ref-2020-01-31.xml" ] }, "schema": { "local": [ "cznc-20210121.xsd" ], "remote": [ "http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd", "http://www.xbrl.org/2003/xl-2003-12-31.xsd", "http://www.xbrl.org/2003/xlink-2003-12-31.xsd", "https://xbrl.sec.gov/dei/2020/dei-2020-01-31.xsd", "http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd", "http://www.xbrl.org/2005/xbrldt-2005.xsd", "http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd", "http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd", "http://www.xbrl.org/2006/ref-2006-02-27.xsd", "http://www.xbrl.org/lrr/role/deprecated-2009-12-16.xsd" ] } }, "elementCount": 23, "entityCount": 1, "hidden": { "http://xbrl.sec.gov/dei/2020-01-31": 2, "total": 2 }, "keyCustom": 0, "keyStandard": 96, "memberCustom": 0, "memberStandard": 0, "nsprefix": "cznc", "nsuri": "http://www.cnbankpa.com/20210121", "report": { "R1": { "firstAnchor": { "ancestors": [ "p", "div", "div", "body", "html" ], "baseRef": "cznc-20210121x8k.htm", "contextRef": "Duration_1_21_2021_To_1_21_2021_gLvcIaDOskW4_PgjBlVG9g", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" }, "groupType": "document", "isDefault": "true", "longName": "00090 - Document - Document and Entity Information", "role": "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation", "shortName": "Document and Entity Information", "subGroupType": "", "uniqueAnchor": { "ancestors": [ "p", "div", "div", "body", "html" ], "baseRef": "cznc-20210121x8k.htm", "contextRef": "Duration_1_21_2021_To_1_21_2021_gLvcIaDOskW4_PgjBlVG9g", "decimals": null, "first": true, "lang": "en-US", "name": "dei:DocumentType", "reportCount": 1, "unique": true, "unitRef": null, "xsiNil": "false" } } }, "segmentCount": 0, "tag": { "dei_AmendmentFlag": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.", "label": "Amendment Flag" } } }, "localname": "AmendmentFlag", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_CityAreaCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Area code of city", "label": "City Area Code" } } }, "localname": "CityAreaCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_CoverAbstract": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Cover page.", "label": "Document and Entity Information [Abstract]" } } }, "localname": "CoverAbstract", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "xbrltype": "stringItemType" }, "dei_DocumentPeriodEndDate": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is YYYY-MM-DD.", "label": "Document Period End Date" } } }, "localname": "DocumentPeriodEndDate", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "dateItemType" }, "dei_DocumentType": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.", "label": "Document Type" } } }, "localname": "DocumentType", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "submissionTypeItemType" }, "dei_EntityAddressAddressLine1": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Address Line 1 such as Attn, Building Name, Street Name", "label": "Entity Address, Address Line One" } } }, "localname": "EntityAddressAddressLine1", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressCityOrTown": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the City or Town", "label": "Entity Address, City or Town" } } }, "localname": "EntityAddressCityOrTown", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressPostalZipCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Code for the postal or zip code", "label": "Entity Address, Postal Zip Code" } } }, "localname": "EntityAddressPostalZipCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityAddressStateOrProvince": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Name of the state or province.", "label": "Entity Address, State or Province" } } }, "localname": "EntityAddressStateOrProvince", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "stateOrProvinceItemType" }, "dei_EntityCentralIndexKey": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.", "label": "Entity Central Index Key" } } }, "localname": "EntityCentralIndexKey", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "centralIndexKeyItemType" }, "dei_EntityEmergingGrowthCompany": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "Indicate if registrant meets the emerging growth company criteria.", "label": "Entity Emerging Growth Company" } } }, "localname": "EntityEmergingGrowthCompany", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_EntityFileNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.", "label": "Entity File Number" } } }, "localname": "EntityFileNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "fileNumberItemType" }, "dei_EntityIncorporationStateCountryCode": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Two-character EDGAR code representing the state or country of incorporation.", "label": "Entity Incorporation, State or Country Code" } } }, "localname": "EntityIncorporationStateCountryCode", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "edgarStateCountryItemType" }, "dei_EntityRegistrantName": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.", "label": "Entity Registrant Name" } } }, "localname": "EntityRegistrantName", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_EntityTaxIdentificationNumber": { "auth_ref": [ "r5" ], "lang": { "en-us": { "role": { "documentation": "The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.", "label": "Entity Tax Identification Number" } } }, "localname": "EntityTaxIdentificationNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "employerIdItemType" }, "dei_LocalPhoneNumber": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Local phone number for entity.", "label": "Local Phone Number" } } }, "localname": "LocalPhoneNumber", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "normalizedStringItemType" }, "dei_PreCommencementIssuerTenderOffer": { "auth_ref": [ "r2" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.", "label": "Pre-commencement Issuer Tender Offer" } } }, "localname": "PreCommencementIssuerTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_PreCommencementTenderOffer": { "auth_ref": [ "r3" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.", "label": "Pre-commencement Tender Offer" } } }, "localname": "PreCommencementTenderOffer", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_Security12bTitle": { "auth_ref": [ "r0" ], "lang": { "en-us": { "role": { "documentation": "Title of a 12(b) registered security.", "label": "Title of 12(b) Security" } } }, "localname": "Security12bTitle", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "securityTitleItemType" }, "dei_SecurityExchangeName": { "auth_ref": [ "r1" ], "lang": { "en-us": { "role": { "documentation": "Name of the Exchange on which a security is registered.", "label": "Security Exchange Name" } } }, "localname": "SecurityExchangeName", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "edgarExchangeCodeItemType" }, "dei_SolicitingMaterial": { "auth_ref": [ "r4" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.", "label": "Soliciting Material" } } }, "localname": "SolicitingMaterial", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" }, "dei_TradingSymbol": { "auth_ref": [], "lang": { "en-us": { "role": { "documentation": "Trading symbol of an instrument as listed on an exchange.", "label": "Trading Symbol" } } }, "localname": "TradingSymbol", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "tradingSymbolItemType" }, "dei_WrittenCommunications": { "auth_ref": [ "r6" ], "lang": { "en-us": { "role": { "documentation": "Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.", "label": "Written Communications" } } }, "localname": "WrittenCommunications", "nsuri": "http://xbrl.sec.gov/dei/2020-01-31", "presentation": [ "http://www.cnbankpa.com/role/DocumentDocumentAndEntityInformation" ], "xbrltype": "booleanItemType" } }, "unitCount": 0 } }, "std_ref": { "r0": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b" }, "r1": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "d1-1" }, "r2": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "13e", "Subsection": "4c" }, "r3": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14d", "Subsection": "2b" }, "r4": { "Name": "Exchange Act", "Number": "240", "Publisher": "SEC", "Section": "14a", "Subsection": "12" }, "r5": { "Name": "Regulation 12B", "Number": "240", "Publisher": "SEC", "Section": "12", "Subsection": "b-2" }, "r6": { "Name": "Securities Act", "Number": "230", "Publisher": "SEC", "Section": "425" } }, "version": "2.1" } ZIP 20 0001558370-21-000321-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001558370-21-000321-xbrl.zip M4$L#!!0 ( &EY-5*P0N-B6@, .X+ 1 8WIN8RTR,#(Q,#$R,2YX M]Y I26"5NNZ29/H-G6=U&^3<0Q83>S,=@K=K]_9 MQ(& 0^FT294:_-P]]]R=[Y+QU;K(T1.5B@D^Z25AW$.4$Y$QOICT*A5@11CK M75V^?3-^%P0/UW=3E E2%91K1"3%FF9HQ?02W8NRQ!S=4BE9GJ-KR;(%16@4 M#L/S87\4]L_[@P0%0@AK+=FLTO23D,4-G>,JUU 8_JO"N8T.]& G.5@HI6 MN-4@%'(!@>(D>KB=?K<"G3'C3U3IQGX]DWFH* D7XBG:8."8#((X"0:)<\HH M\WL 8!**V^;0VP7&9>,RQVIF)=6 QT5)'>CGDJI#IP;R1Y(B]WDYQ.,DZ;Q5 M+YM17;%A!&A36 "RO5K5=F?1!G2F7'!>%7[:3,O()!"!40!65#+B_$@E)0S% ML[^\#C4M.6\GL0A]R4O*.N#>0I+!$5U[(KEPWH MB59IV9G+* )T1Y97D$=*#@4X4B #SV!-.'.Z)DN_;(-X^$]H=KO1ZP-%]9@F MH]$HLFB3)B-^+0"8\B4',] Q.0[QZ:<+LPF/U-TT.:K-&F6ZE!W2 #':+MIA M3EAQ;H>QEW=8P+C2F!.Z.Z#L2)OW[.]CGVZ2MXQW[EE_:YE%0! ME_4TFZ?VKDV.>1*MLFZ_^M3U9:]=;@7:69GT%"O*W-P8 M>[:T+PMS;P)W/7Y"NB'<)V=B^(_<0=OL_0K5@1T%EN2 Y6 ] (DHJ=0,!GJ[ MOZ)_EE:.9Z]-"UQH_G_R&4?[DU:?M"?2SB.D)J1&W/OQU;41-M]M4T$LV1$7 M\ZO9/($Y"I(^[+@00CN]QV7X/QQ.%. <3.2S5\;L^DSSA59=3N8AV'IO)6P: MLN&Z_ -02P,$% @ :7DU4BTPN^AT!0 ?CP !4 !C>FYC+3(P,C$P M,3(Q7VQA8BYX;6S5F^%OXC88QK]/VO_P'ONR21="J-9;4=M3R_6F:O2*#J:= M-DVGD!BP%FSDF +__=E)3$EJ!RYTP4BGNQSOD\?O8WYU'$@OWZ]F$3PA%F-* MKAI>L]4 1 (:8C*Y:BQBQX\#C!OOKW_\X?*-XWRY_=R#D :+&2(< H9\CD)8 M8CZ%(9W/?0(/B#$<17#+<#A! !?-\^:[\_9%L_VN?>:!XV1.MWXLSJ0$$LMV MT]M4NIDK)1WPW+;XTVI[\%O'\SJM<^@_;(0/HLLQWJF,,/FO(_\:B2%!Q"5Q M9Q7CJ\:4\WG'=9?+97-YUJ1L(LYO>>Z7A]X@F**9[V 2&WGS&NNXK"1M2C+>PRBY+(:\LT) MV^)?W;2XD;ZPSN)[%Q<7;E)MB(D#R*;.'Z&H)XX@*77X>HZN&FC%$0F1;#=Y ME=$(E;0KR^ZSL_2F03^*EKUTJ>+X9Q9SY 5=^28JKAJXN)V6OF78WO4NS&Y8/X+- #28.=\Q' MIG #*OB:/&9WI6TV'HYKBUV@45<^2"\)03!S%UJ*Y:X$*1Q;0BF:^I''*%/B]D(,4URC<1B\$R!%'/%NJ6X&=NL M2EIV\92.D%K6S-AG-,'R6DWX)W^F6^4,,NM9TP?+\Y;76,V9(/8:H9W]7P@ MO<(>\O['V0KR">F>=;=0#2 M'1Y)W2MJ-GQ7'#ZR(5V279.14YX*FB_C:<%\EIT"EIIN7PM*:2TO]=+\.$ F MNXU'UF?T"9/ O&\URD\%34-0+9\%[2E :FKYM4C=[$K5",?!M4]C[D=_XWGI M399!?"JH:D-J0%6 MS5+4M"U6A2NY-DNW>EF2CP9$_2DEY@_/-1*+F3(%4EP5ZY:R96RS*E^)(22. M==\Q_\4PYXATZ6RV(-E=>ZS);-)93%MI-(6<5F0I=^6]5H4ON90BKN7"DNA*VFT*G'/EJ \:\.MSY $'8FW+WFZ M0SYSQA['8^W5M51L,7Z[0RH,S4I+<=RCX:I8"FLGV/*&U!P2]V,!>A_'"\2^ M"U/=*:<#JS&P =D7^M, U]SVJ^&;#G$C:BNL#%NL6(::,H MOG)%2^'2]UB9K-0-4KO:5ZZ[53 5C2/#TV0&F<5XE04KKF+;&DMA*VVU\IU) M9@K*]1A/D]W-$)L(\G]G=,FG8M,P]\G:^&FZ26TQB7O$S'_%H95:RN4^'1_X M)8V*/2;SHWNQNUS]@RD[^_H;4$L#!!0 ( &EY-5)^O,UE?00 (,F 5 8WIN M8RTR,#(Q,#$R,5]P&ULU5KO;^(V&/X^:?^#E_L<\H,6"BIWHEQO0E>N MJ##MM"\GDQBP+K$CVQ387S\[Q(R$!-)IFR]55=+X\>OG?1['\9MP_V$71^ 5 M,8XI&5A>R[4 (@$-,5D-K VW(0\PMCZ\__FG^U]L^^O#RQ,(:;")$1$@8 @* M%((M%FLPITD""9@@QG 4@0>&PQ4"H-?JM+H=O]?RNW[; [:=17J 7/:D!*0A M_99W;!EE42GI \_QY:_K>^"N[WE]MP.FDR-P(EDN\55DA,GWOOJSD$,"F2[A M_1W' VLM1-)WG.UVV]JV6Y2M9'_7<[Y.GF;!&L70QH0+2 )D 8GO\_3D$PV@ M2+4ZZ;Y;L$@':#O'L2H1ZC];PVQURO9\N^VU=CRT,HJJN<8@&JY:\07\22X' M_%G\3 .OU^LY::LEU0/@GM$(O: E2,_UQ3Y! XOC.(E4K/35JPZ4 MO:[M>ME4?2=/?1M1N7H,%UPP& @=+X(+% VL0IOSW[/1RLUEW *98O.W3KM[ MT[F[[E"%NC8\O!LKN2MR!!. IF,9P=K'!UGP)+1 M^$RE;"1:DS%E(6)RY;; ADL>-%&,8?2_JCU%#%,Y_<./N7!CSH6QW+BRA+)4LYF4#HWHA@BV']&PVI2+O9KDT=L3R2R[-6?9'.[& MH4Q9;N0/^^HKZU<%ODDVO26%S*"..8.&82C5X]F'W"(CK]*<$FR3C*E+/S.E M:]R4D3Q\9G.Z)=O\==GHFC!&7=%#AF"%%:?-S1#_ M*F,MMY$R73VSC*9K2JJKPR*D&;+78JVE-U*8_\ZP$(B,:!QO2+;?XR7ZE^*: M84)]ZMH)(X7ZC$8XP *3U43>M1A6PY[9< YJA@6L#C-3H4X;4'$%RIY ^ MT%3/PMGS":Y$<=ZMH)(S7V4.X@0K6+ M^!3!58D#N?8\_6[W]L[_ 96_3EDK7E5:WSO%[]>H+V0Y!VWPX2LJ[_\"4$L# M!!0 ( &EY-5)MCG;.C1, :& 4 8WIN8RTR,#(Q,#$R,7@X:RYH M=&WM/6E7XDK3WY]SWO_0K_>]=YQS#&1C"3H^!P$=7 !9U)DO.9VD Y&0Q"P" M_OJW.@L&Q'&YB#B.9T9)>JNMJZNJJYN]_TY&)KHEKF?8UK*7_^[_!\%/^ NAO?]E&&1<';1/D6:KP8A8/E)=@GVBH;'A#TJH M:SL.MM 9<5W#--&!:VA]$C>1,OE,(<]+&;[ "QQBF/UTMP?8@UYLJQ37YC(/ MJE3BH6@E+LO#/Y;G4+'$<2561*VSQ?I11Z>&XF)WFB *33/L/1S%Y8TZQ+TU M5(*.;075JR5$L"!Q.8DP0IX(C*@H.::H$)'1N$).Q3PKY#BU1B 7+\=Q67%LCQJSR1''-C$?4 M3-^^S4(!KD.DJJNT1_E.CY+)2FB6C\@C\SHNSO#0C6]O=&Q,>(5F?(36#< M?MM2;]GD;]278FO3_3W-N$6> M/S7)MZT1=ON&Q?BV4Q)8Q]^%4;-0/%=',SS'Q-.295N$5C F)=H;<:./AJ81 M*_P(%1J@*5Q#C:":^&U*E6K@AD26.9F'?S %Y*Z=>NB?WJIU7&UZPTM1;O6O M#\R+(ZF_A2P\HJ,3HU2S (UI!=!TL5FW-#(Y(=,M9&C?MKJJG#WCCRQ5VU?75(+L>R0 '5L>F1!S!FYPD,8D1&28T]*7KC$B'FJ0,6K;(VQ]V8G>P%\/4->_[(:U M/>..0->@3A)(85C?'I4X>$4IPF#3Z%LE%5A$W%W%=H$4LSH9:(@\VS0T]!<; M_B0U0BVUI#A28J58?WG4*DD#'X$#A;>&9RB&"5(13RJH_L]?15C2=_>RM!FP MPUD5Z@_Q?!S,9P*&PTDG%Q1!*@HY5N:5/"^++%;EHJ@KLBH4.%53.:G(2G1V MXS6ATFO4N[4JZG3+W5IG?13LU"J]=KU;KW50N5%%M:O*]W+CJ(8JS;.S>J=3 M;S;6!\LE]@8@Y[YM[:!JII)!/)L3I7>2IK#IF(3*0;%-;;/D7GD4S*W]PV;[ M#.UEE;==G*NQ/],-[2?H_ F(B\Q) M".^#A7LCZ D3I%UK=%&[UFJVNQ&@&P%8*W"] (-+Z=O@?ZF4GX@3D.TB+K>M M?46VCOP!H46!"VL3P%6;J -L@8-95GU:S$F"N&:$7J&QUP(8-4$H2=K$L5T? M;2?/L-Z;0#H?D5OJO;MA,0'JOL'LBCRI;UO@>I4T&'\$?0XT/)T"$,1:-OM: MH:U4BRRHU#1T.D/VT-/NKH85]2:HYFOZI'O17R!_2!&-J'8$;2D G\"E+MGN M0@FCVJ;MEA)+86O_&%L!#1'PW ZB&,VX]6X3^%W$2GP&8&_OT;5)W_"H)^XW MH"0E!';+[;G>^6%[R/"-.Z+YM\=DU^ M72%\JS)7<1X7=&JI@L-&9#'/$UDANB"+N7R^D"N*HH;YV%S%B:=\><,H]=;X M0._AL\-CY5I72:-%77IVL>99Y_SH1[MZ4.R=N-_;Q>N"T+\]ZT/-!WT>7]OL MCQO[PF;SGGYUI>?Q].Z*]BDNUOS!_/PQZK5[7;;B"%@X==1*[_1<%A^./F1^ M2OQAI>CT+FNG??FB*U5/!^=R[F%-[M(XQ,?:1;YV*;I.^:;3=,J#,M1,1O>Q M8I*$PK'# W)K8L1#FD=Y8,P@6E6I0Q?'@>8=QK0/%GF+],W,]\OPA;\I MDN 0/F3$0Y4DW=U:.%7 2 Q^4 7B-X4F8YW5FAL4V?.*Y]2\V*>;L\LLCJ%AA-3FPW=6CMBAU8OCNMV!J9!;++ MQ]71S8'VW1KR;MW,7ZAB6S\M SRP[+6(97E3\Q9;!EYJ/:UB6H8R\3)5]EKV M+YL5'U4<%KE]:)@$^E>(.V.M11J5\[(@EWOYX_*XH-6U@]R//NU[:Y]EN#Q; M%#>"J[$F^XR3>I&+73RIQ]L?:MCA DNO9;L ,UA7>D;C^J=^JYRUC"/*4C ] M>8'AQ1PGB<+C7'V%KGUGHF^'FHN&DVQ_0%QT';B&IQE1G F<*2.MY;Z^IU;: M,)VS7;%'(\.CR1.(*@<4B=+[D.B7QLKZ2%+/M#.=#*J-'-.>@C#-SS74L#-? M/_)<>8UGORI)6#F"UX$'K)FN$<.-G,8?GZ=K0VOAS;!H2L?GK-?4SK?V)9:1>'2�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

Document and Entity Information	Jan. 21, 2021
Document and Entity Information [Abstract]
Document Type	8-K
Document Period End Date	Jan. 21, 2021
Entity File Number	0-16084
Entity Registrant Name	CITIZENS & NORTHERN CORPORATION
Entity Incorporation, State or Country Code	PA
Entity Tax Identification Number	23-2451943
Entity Address, Address Line One	90-92 Main Street
Entity Address, City or Town	Wellsboro
Entity Address, State or Province	PA
Entity Address, Postal Zip Code	16901
City Area Code	570
Local Phone Number	724-3411
Written Communications	false
Soliciting Material	false
Pre-commencement Tender Offer	false
Pre-commencement Issuer Tender Offer	false
Title of 12(b) Security	Common Stock Par Value $1.00
Trading Symbol	CZNC
Security Exchange Name	NASDAQ
Entity Emerging Growth Company	false
Entity Central Index Key	0000810958
Amendment Flag	false