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Graphic

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

(Mark One)

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2022

or

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from _______________ to _________________________.

Commission file number: 000-16084

CITIZENS & NORTHERN CORPORATION

(Exact name of Registrant as specified in its charter)

PENNSYLVANIA

    

23-2451943

(State or other jurisdiction of

(I.R.S. Employer

incorporation or organization)

Identification No.)

90-92 MAIN STREET, WELLSBORO, PA 16901

(Address of principal executive offices) (Zip code)

570-724-3411

(Registrant’s telephone number including area code)

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 check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).

Yes No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See definition of “large accelerated filer,” accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer Accelerated filer Non-accelerated filer Smaller reporting company Emerging growth company

If an emerging growth company, indicate by check mark 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.

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

Yes No

Indicate the number of shares outstanding of each of the registrant’s classes of common stock, as of the latest practicable date.

Common Stock ($1.00 par value)

15,605,135 Shares Outstanding on May 4, 2022

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

CITIZENS & NORTHERN CORPORATION

Index

Part I. Financial Information

 

 

 

Item 1. Financial Statements

 

 

 

Consolidated Balance Sheets (Unaudited) – March 31, 2022 and December 31, 2021

Page 3

 

 

Consolidated Statements of Income (Unaudited) – Three-month Periods Ended March 31, 2022 and 2021

Page 4

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) – Three-month Periods Ended March 31, 2022 and 2021

Page 5

 

 

Consolidated Statements of Cash Flows (Unaudited) – Three-month Periods Ended March 31, 2022 and 2021

Page 6

 

 

Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) – Three-month Periods March 31, 2022 and 2021

Page 7

 

 

Notes to Unaudited Consolidated Financial Statements

Pages 8 – 33

 

 

Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

Pages 34 – 55

 

 

Item 3. Quantitative and Qualitative Disclosures About Market Risk

Pages 55 – 57

Item 4. Controls and Procedures

Page 57

 

 

Part II. Other Information

Pages 57 – 59

 

 

Signatures

Page 60

2

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

ITEM 1. FINANCIAL STATEMENTS

CONSOLIDATED BALANCE SHEETS

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

    

March 31, 

    

December 31, 

2022

2021

ASSETS

 

  

 

  

Cash and due from banks:

 

  

 

  

Noninterest-bearing

$

19,471

$

16,729

Interest-bearing

 

94,875

 

88,219

Total cash and due from banks

 

114,346

 

104,948

Available-for-sale debt securities, at fair value

 

532,913

 

517,679

Loans receivable

 

1,538,190

 

1,564,849

Allowance for loan losses

 

(14,271)

 

(13,537)

Loans, net

 

1,523,919

 

1,551,312

Bank-owned life insurance

 

30,804

 

30,669

Accrued interest receivable

 

7,507

 

7,235

Bank premises and equipment, net

 

21,169

 

20,683

Foreclosed assets held for sale

 

531

 

684

Deferred tax asset, net

 

11,818

 

5,887

Goodwill

 

52,505

 

52,505

Core deposit intangibles, net

 

3,206

 

3,316

Other assets

 

31,653

 

32,730

TOTAL ASSETS

$

2,330,371

$

2,327,648

LIABILITIES

 

 

Deposits:

 

 

Noninterest-bearing

$

552,255

$

521,206

Interest-bearing

 

1,408,697

 

1,403,854

Total deposits

 

1,960,952

 

1,925,060

Short-term borrowings

 

2,357

 

1,803

Long-term borrowings - FHLB advances

 

20,581

 

28,042

Senior notes, net

14,717

14,701

Subordinated debt, net

 

33,031

 

33,009

Accrued interest and other liabilities

 

22,525

 

23,628

TOTAL LIABILITIES

 

2,054,163

 

2,026,243

STOCKHOLDERS' EQUITY

 

 

Preferred stock, $1,000 par value; authorized 30,000 shares; $1,000 liquidation

 

 

preference per share; no shares issued

 

0

 

0

Common stock, par value $1.00 per share; authorized 20,000,000 shares;

 

 

issued 16,030,172 and outstanding 15,718,723 at March 31, 2022;

 

 

issued 16,030,172 and outstanding 15,759,090 at December 31, 2021

 

16,030

 

16,030

Paid-in capital

 

142,991

 

144,453

Retained earnings

 

145,073

 

142,612

Treasury stock, at cost; 311,449 shares at March 31, 2022 and 271,082

 

 

shares at December 31, 2021

 

(7,708)

 

(6,716)

Accumulated other comprehensive (loss) income

 

(20,178)

 

5,026

TOTAL STOCKHOLDERS' EQUITY

 

276,208

 

301,405

TOTAL LIABILITIES & STOCKHOLDERS' EQUITY

$

2,330,371

$

2,327,648

The accompanying notes are an integral part of these unaudited consolidated financial statements.

3

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

Consolidated Statements of Income

(In Thousands Except Per Share Data) (Unaudited)

    

Three Months Ended

March 31, 

March 31, 

2022

2021

INTEREST INCOME

 

  

 

  

Interest and fees on loans:

 

  

 

  

Taxable

$

18,549

$

19,491

Tax-exempt

 

454

 

439

Income from available-for-sale debt securities:

 

 

Taxable

 

1,969

 

1,113

Tax-exempt

 

722

 

642

Other interest and dividend income

 

79

 

69

Total interest and dividend income

 

21,773

 

21,754

INTEREST EXPENSE

 

  

 

Interest on deposits

 

910

 

1,278

Interest on short-term borrowings

 

1

 

15

Interest on long-term borrowings - FHLB advances

 

49

 

134

Interest on senior notes, net

 

118

0

Interest on subordinated debt, net

 

363

 

244

Total interest expense

 

1,441

 

1,671

Net interest income

 

20,332

 

20,083

Provision for loan losses

 

891

 

259

Net interest income after provision for loan losses

 

19,441

 

19,824

NONINTEREST INCOME

 

  

 

  

Trust revenue

 

1,786

 

1,626

Brokerage and insurance revenue

 

522

 

326

Service charges on deposit accounts

 

1,235

 

1,015

Interchange revenue from debit card transactions

 

963

 

881

Net gains from sale of loans

 

382

 

1,064

Loan servicing fees, net

 

210

 

248

Increase in cash surrender value of life insurance

 

135

 

150

Other noninterest income

 

588

 

1,472

Realized gains on available-for-sale debt securities, net

2

0

Total noninterest income

 

5,823

 

6,782

NONINTEREST EXPENSE

 

 

Salaries and employee benefits

10,607

8,895

Net occupancy and equipment expense

1,411

1,304

Data processing and telecommunications expense

1,623

1,380

Automated teller machine and interchange expense

 

384

 

337

Pennsylvania shares tax

 

488

 

491

Professional fees

 

489

 

547

Other noninterest expense

 

1,884

 

2,755

Total noninterest expense

 

16,886

 

15,709

Income before income tax provision

 

8,378

 

10,897

Income tax provision

 

1,483

 

2,110

NET INCOME

$

6,895

$

8,787

EARNINGS PER COMMON SHARE - BASIC

$

0.44

$

0.55

EARNINGS PER COMMON SHARE - DILUTED

$

0.44

$

0.55

The accompanying notes are an integral part of these unaudited consolidated financial statements.

4

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

Consolidated Statements of Comprehensive (Loss) Income

(In Thousands) (Unaudited)

    

Three Months Ended

March 31, 

March 31, 

 

2022

    

2021

Net income

$

6,895

$

8,787

Available-for-sale debt securities:

Unrealized holding losses on available-for-sale debt securities

(32,025)

(6,114)

Reclassification adjustment for (gains) realized in income

(2)

0

Other comprehensive loss on available-for-sale debt securities

(32,027)

(6,114)

Unfunded pension and postretirement obligations:

 

 

Changes from plan amendments and actuarial gains and losses

 

133

 

(5)

Amortization of prior service cost and net actuarial loss included in net periodic benefit cost

 

(11)

 

(4)

Other comprehensive income (loss) on pension and postretirement obligations

 

122

 

(9)

Other comprehensive loss before income tax

 

(31,905)

 

(6,123)

Income tax related to other comprehensive loss

 

6,701

 

1,287

Net other comprehensive loss

 

(25,204)

 

(4,836)

Comprehensive (loss) income

$

(18,309)

$

3,951

The accompanying notes are an integral part of these unaudited consolidated financial statements.

5

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

CONSOLIDATED STATEMENTS OF CASH FLOWS

(In Thousands) (Unaudited)

    

Three Months Ended

March 31, 

March 31, 

2022

    

2021

CASH FLOWS FROM OPERATING ACTIVITIES:

 

  

 

  

Net income

$

6,895

$

8,787

Adjustments to reconcile net income to net cash provided by operating activities:

 

 

Provision for loan losses

 

891

 

259

Realized gains on available-for-sale debt securities, net

 

(2)

 

0

Net amortization of securities

714

488

Increase in cash surrender value of life insurance

 

(135)

 

(150)

Depreciation and amortization of bank premises and equipment

 

507

 

553

Net accretion of purchase accounting adjustments

 

(340)

 

(818)

Stock-based compensation

 

368

 

341

Deferred income taxes

 

770

 

462

Increase in fair value of servicing rights

 

(2)

 

(75)

Gains on sales of loans, net

 

(382)

 

(1,064)

Origination of loans held for sale

 

(14,752)

 

(32,478)

Proceeds from sales of loans held for sale

 

13,661

 

30,727

Increase in accrued interest receivable and other assets

 

(963)

 

(2,190)

(Decrease) increase in accrued interest payable and other liabilities

 

(1,663)

 

891

Other

 

81

 

(20)

Net Cash Provided by Operating Activities

 

5,648

 

5,713

CASH FLOWS FROM INVESTING ACTIVITIES:

 

 

  

Purchase of certificates of deposit

0

(1,250)

Proceeds from calls and maturities of available-for-sale debt securities

 

18,746

 

17,093

Purchase of available-for-sale debt securities

 

(62,949)

 

(34,494)

Redemption of Federal Home Loan Bank of Pittsburgh stock

 

337

 

584

Purchase of Federal Home Loan Bank of Pittsburgh stock

 

(282)

 

(473)

Net decrease in loans

 

26,807

 

29,936

Proceeds from bank owned life insurance

 

0

 

287

Proceeds from sales of premises and equipment

 

0

 

495

Purchase of premises and equipment

 

(993)

 

(239)

Proceeds from sale of foreclosed assets

 

139

 

0

Other

 

75

 

70

Net Cash (Used in) Provided by Investing Activities

 

(18,120)

 

12,009

CASH FLOWS FROM FINANCING ACTIVITIES:

 

 

  

Net increase in deposits

 

35,952

 

103,793

Net increase (decrease) in short-term borrowings

 

554

 

(10,211)

Repayments of long-term borrowings - FHLB advances

 

(7,380)

 

(4,024)

Sale of treasury stock

 

141

 

77

Purchases of treasury stock

 

(3,380)

 

(157)

Common dividends paid

 

(4,017)

 

(3,912)

Net Cash Provided by Financing Activities

 

21,870

 

85,566

INCREASE IN CASH AND CASH EQUIVALENTS

 

9,398

 

103,288

CASH AND CASH EQUIVALENTS, BEGINNING OF PERIOD

 

95,848

 

96,017

CASH AND CASH EQUIVALENTS, END OF PERIOD

$

105,246

$

199,305

SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:

 

 

Accrued purchase of certificates of deposit

$

0

$

750

Increase in accrued purchase of available-for-sale debt securities

$

3,770

$

6,245

Assets acquired through foreclosure of real estate loans

$

0

$

134

Interest paid

$

1,116

$

2,193

Income taxes paid

$

46

$

47

The accompanying notes are an integral part of these unaudited consolidated financial statements.