Company Quick10K Filing
Citizens & Northern
Price25.83 EPS1
Shares14 P/E18
MCap354 P/FCF22
Net Debt-51 EBIT32
TEV303 TEV/EBIT9
TTM 2019-09-30, in MM, except price, ratios
10-Q 2020-06-30 Filed 2020-08-06
10-Q 2020-03-31 Filed 2020-05-07
10-K 2019-12-31 Filed 2020-02-20
10-Q 2019-09-30 Filed 2019-11-12
10-Q 2019-06-30 Filed 2019-08-06
10-Q 2019-03-31 Filed 2019-05-07
10-K 2018-12-31 Filed 2019-02-21
10-Q 2018-09-30 Filed 2018-11-01
10-Q 2018-06-30 Filed 2018-08-06
10-Q 2018-03-31 Filed 2018-05-03
10-K 2017-12-31 Filed 2018-02-15
10-Q 2017-09-30 Filed 2017-11-02
10-Q 2017-06-30 Filed 2017-08-03
10-Q 2017-03-31 Filed 2017-05-04
10-K 2016-12-31 Filed 2017-02-16
10-Q 2016-09-30 Filed 2016-11-03
10-Q 2016-06-30 Filed 2016-08-04
10-Q 2016-03-31 Filed 2016-05-05
10-K 2015-12-31 Filed 2016-02-18
10-Q 2015-09-30 Filed 2015-11-05
10-Q 2015-06-30 Filed 2015-08-07
10-Q 2015-03-31 Filed 2015-05-08
10-K 2014-12-31 Filed 2015-02-26
10-Q 2014-09-30 Filed 2014-11-07
10-Q 2014-06-30 Filed 2014-08-08
10-Q 2014-03-31 Filed 2014-05-09
10-K 2013-12-31 Filed 2014-02-20
10-Q 2013-09-30 Filed 2013-11-07
10-Q 2013-06-30 Filed 2013-08-08
10-Q 2013-03-31 Filed 2013-05-09
10-K 2012-12-31 Filed 2013-02-21
10-Q 2012-09-30 Filed 2012-11-07
10-Q 2012-06-30 Filed 2012-08-07
10-Q 2012-03-31 Filed 2012-05-08
10-K 2011-12-31 Filed 2012-02-24
10-Q 2011-09-30 Filed 2011-11-07
10-Q 2011-06-30 Filed 2011-08-08
10-Q 2011-03-31 Filed 2011-05-06
10-K 2010-12-31 Filed 2011-03-01
10-Q 2010-09-30 Filed 2010-11-08
10-Q 2010-06-30 Filed 2010-08-06
10-Q 2010-03-31 Filed 2010-05-07
10-K 2009-12-31 Filed 2010-03-01
8-K 2020-07-16 Earnings, Exhibits
8-K 2020-07-01 M&A, Officers, Exhibits
8-K 2020-05-07
8-K 2020-04-16
8-K 2020-04-16
8-K 2020-04-02
8-K 2020-02-20
8-K 2020-01-16
8-K 2019-12-18
8-K 2019-10-17
8-K 2019-08-07
8-K 2019-07-18
8-K 2019-07-18
8-K 2019-06-12
8-K 2019-04-18
8-K 2019-04-18
8-K 2019-04-18
8-K 2019-04-01
8-K 2019-03-01
8-K 2019-01-17
8-K 2018-12-20
8-K 2018-10-18
8-K 2018-09-27
8-K 2018-08-24
8-K 2018-08-08
8-K 2018-07-19
8-K 2018-06-11
8-K 2018-04-19
8-K 2018-04-19
8-K 2018-04-19
8-K 2018-01-18

CZNC 10Q Quarterly Report

Item 1. Financial Statements
Item 2. Management's Discussion and Analysis of Financial Condition and Results of Operations
Item 4. Controls and Procedures
Part II - Other Information
Item 1. Legal Proceedings
Item 1A. Risk Factors
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Item 3. Defaults Upon Senior Securities
Item 4. Mine Safety Disclosures
Item 5. Other Information
Item 6. Exhibits
EX-10.1 cznc-20200630xex10d1.htm
EX-10.2 cznc-20200630xex10d2.htm
EX-10.3 cznc-20200630xex10d3.htm
EX-10.4 cznc-20200630xex10d4.htm
EX-10.5 cznc-20200630xex10d5.htm
EX-31.1 cznc-20200630xex31d1.htm
EX-31.2 cznc-20200630xex31d2.htm
EX-32 cznc-20200630xex32.htm

Citizens & Northern Earnings 2020-06-30

Balance SheetIncome StatementCash Flow

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Table of Contents

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 June 30, 2020

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)

15,871,073 Shares Outstanding on August 3, 2020

Table of Contents

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

CITIZENS & NORTHERN CORPORATION

Index

Part I. Financial Information

 

 

 

Item 1. Financial Statements

 

 

 

Consolidated Balance Sheets (Unaudited) – June 30, 2020 and December 31, 2019

Page 3

 

 

Consolidated Statements of Income (Unaudited) – Three-month and Six-month Periods Ended June 30, 2020 and 2019

Page 4

Consolidated Statements of Comprehensive Income (Unaudited) - Three-month and Six-month Periods Ended June 30, 2020 and 2019

Page 5

 

 

Consolidated Statements of Cash Flows (Unaudited) – Six-month Periods Ended June 30, 2020 and 2019

Page 6

 

 

Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) – Three-month and Six-month Periods Ended June 30, 2020 and 2019

Page 7 - 8 

 

 

Notes to Unaudited Consolidated Financial Statements

Pages 9 – 46

 

 

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

Pages 46 – 79

 

 

Item 4. Controls and Procedures

Page 79

 

 

Part II. Other Information

Pages 79 – 83

 

 

Signatures

Page 84

2

Table of Contents

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

ITEM 1. FINANCIAL STATEMENTS

CONSOLIDATED BALANCE SHEETS

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

    

June 30, 

    

December 31, 

2020

2019

ASSETS

 

  

 

  

Cash and due from banks:

 

  

 

  

Noninterest-bearing

$

24,075

$

17,667

Interest-bearing

 

53,567

 

17,535

Total cash and due from banks

 

77,642

 

35,202

Available-for-sale debt securities, at fair value

 

332,188

 

346,723

Marketable equity security

 

1,003

 

979

Loans held for sale

 

1,258

 

767

Loans receivable

 

1,241,413

 

1,182,222

Allowance for loan losses

 

(11,026)

 

(9,836)

Loans, net

 

1,230,387

 

1,172,386

Bank-owned life insurance

 

18,843

 

18,641

Accrued interest receivable

 

6,326

 

5,001

Bank premises and equipment, net

 

18,332

 

17,170

Foreclosed assets held for sale

 

1,593

 

2,886

Deferred tax asset, net

 

93

 

2,618

Goodwill

 

28,388

 

28,388

Core deposit intangibles, net

 

1,123

 

1,247

Other assets

 

28,290

 

22,137

TOTAL ASSETS

$

1,745,466

$

1,654,145

LIABILITIES

 

 

Deposits:

 

 

Noninterest-bearing

$

353,707

$

285,904

Interest-bearing

 

1,027,471

 

966,756

Total deposits

 

1,381,178

 

1,252,660

Short-term borrowings

 

14,404

 

86,220

Long-term borrowings

 

72,904

 

52,127

Subordinated debt

 

6,500

 

6,500

Accrued interest and other liabilities

 

14,689

 

12,186

TOTAL LIABILITIES

 

1,489,675

 

1,409,693

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 13,934,996 and outstanding 13,807,157 at June 30, 2020;

 

 

issued 13,934,996 and outstanding 13,716,445 at December 31, 2019

 

13,935

 

13,935

Paid-in capital

 

103,954

 

104,519

Retained earnings

 

128,661

 

126,480

Treasury stock, at cost; 127,839 shares at June 30, 2020 and 218,551

 

 

shares at December 31, 2019

 

(2,470)

 

(4,173)

Accumulated other comprehensive income

 

11,711

 

3,691

TOTAL STOCKHOLDERS' EQUITY

 

255,791

 

244,452

TOTAL LIABILITIES & STOCKHOLDERS' EQUITY

$

1,745,466

$

1,654,145

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

3

Table of Contents

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

Consolidated Statements of Income

(In Thousands Except Per Share Data) (Unaudited)

    

3 Months Ended

6 Months Ended

June 30, 

June 30, 

June 30, 

June 30, 

2020

2019

2020

2019

INTEREST INCOME

 

  

 

  

  

 

  

Interest and fees on loans:

 

  

 

  

  

 

  

Taxable

$

14,126

$

14,098

$

28,587

$

24,046

Tax-exempt

 

439

 

524

 

898

 

1,088

Interest on mortgages held for sale

 

15

 

6

 

21

 

9

Interest on balances with depository institutions

 

41

 

149

 

122

 

265

Income from available-for-sale debt securities:

 

 

 

 

Taxable