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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, 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)

15,493,056 Shares Outstanding on August 3, 2022

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, 2022 and December 31, 2021

Page 3

 

 

Consolidated Statements of Income (Unaudited) – Three-month and Six-month Periods Ended June 30, 2022 and 2021

Page 4

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) – Three-month and Six-month Periods Ended June 30, 2022 and 2021

Page 5

 

 

Consolidated Statements of Cash Flows (Unaudited) – Six-month Periods Ended June 30, 2022 and 2021

Page 6

 

 

Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) – Three-month and Six-month Periods June 30, 2022 and 2021

Pages 7 – 8

 

 

Notes to Unaudited Consolidated Financial Statements

Pages 9 – 37

 

 

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

Pages 38 – 63

 

 

Item 3. Quantitative and Qualitative Disclosures About Market Risk

Pages 63 – 65

Item 4. Controls and Procedures

Page 65

 

 

Part II. Other Information

Pages 65 – Error! Bookmark not defined.

 

 

Signatures

Page 68

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, 

2022

2021

ASSETS

 

  

 

  

Cash and due from banks:

 

  

 

  

Noninterest-bearing

$

37,735

$

16,729

Interest-bearing

 

31,452

 

88,219

Total cash and due from banks

 

69,187

 

104,948

Available-for-sale debt securities, at fair value

 

526,837

 

517,679

Loans receivable

 

1,657,604

 

1,564,849

Allowance for loan losses

 

(14,547)

 

(13,537)

Loans, net

 

1,643,057

 

1,551,312

Bank-owned life insurance

 

30,941

 

30,669

Accrued interest receivable

 

7,740

 

7,235

Bank premises and equipment, net

 

21,829

 

20,683

Foreclosed assets held for sale

 

505

 

684

Deferred tax asset, net

 

16,331

 

5,887

Goodwill

 

52,505

 

52,505

Core deposit intangibles, net

 

3,097

 

3,316

Other assets

 

38,689

 

32,730

TOTAL ASSETS

$

2,410,718

$

2,327,648

LIABILITIES

 

 

Deposits:

 

 

Noninterest-bearing

$

552,767

$

521,206

Interest-bearing

 

1,411,503

 

1,403,854

Total deposits

 

1,964,270

 

1,925,060

Short-term borrowings

 

90,042

 

1,803

Long-term borrowings - FHLB advances

 

36,791

 

28,042

Senior notes, net

14,733

14,701

Subordinated debt, net

 

24,553

 

33,009

Accrued interest and other liabilities

 

21,710

 

23,628

TOTAL LIABILITIES

 

2,152,099

 

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 15,499,214 at June 30, 2022;

 

 

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

 

16,030

 

16,030

Paid-in capital

 

143,417

 

144,453

Retained earnings

 

148,187

 

142,612

Treasury stock, at cost; 530,958 shares at June 30, 2022 and 271,082

 

 

shares at December 31, 2021

 

(13,013)

 

(6,716)

Accumulated other comprehensive (loss) income

 

(36,002)

 

5,026

TOTAL STOCKHOLDERS' EQUITY

 

258,619

 

301,405

TOTAL LIABILITIES & STOCKHOLDERS' EQUITY

$

2,410,718

$

2,327,648

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)

    

Three Months Ended

Six Months Ended

June 30, 

June 30, 

June 30, 

June 30, 

2022

2021

2022

2021

INTEREST INCOME

 

  

 

  

  

 

  

Interest and fees on loans:

 

  

 

  

  

 

  

Taxable

$

17,927

$

18,075

$

36,476

$

37,566

Tax-exempt

 

467

 

411

 

921

 

850

Income from available-for-sale debt securities:

 

 

 

 

Taxable

 

2,036

 

1,187

 

4,005

 

2,300

Tax-exempt

 

768

 

663

 

1,490

 

1,305

Other interest and dividend income

 

111

 

92

 

190

 

161

Total interest and dividend income

 

21,309

 

20,428

 

43,082

 

42,182

INTEREST EXPENSE

 

  

 

 

  

 

Interest on deposits

 

1,130

 

1,217

 

2,040

 

2,495

Interest on short-term borrowings

 

122

 

7

 

123

 

22

Interest on long-term borrowings - FHLB advances

 

55

 

109

 

104

 

243

Interest on senior notes, net

 

120

57

238

57

Interest on subordinated debt, net

 

257

 

357

 

620

 

601

Total interest expense

 

1,684

 

1,747

 

3,125

 

3,418

Net interest income

 

19,625

 

18,681

 

39,957

 

38,764

Provision for loan losses

 

308

 

744

 

1,199

 

1,003

Net interest income after provision for loan losses

 

19,317

 

17,937

 

38,758

 

37,761

NONINTEREST INCOME

 

  

 

  

 

  

 

  

Trust revenue

 

1,715

 

1,807

 

3,501

 

3,433

Brokerage and insurance revenue

 

566

 

506

 

1,088

 

832

Service charges on deposit accounts

 

1,322

 

1,073

 

2,557

 

2,088

Interchange revenue from debit card transactions

 

1,056

 

998

 

2,019

 

1,879

Net gains from sale of loans

 

220

 

925

 

602

 

1,989

Loan servicing fees, net

 

358

 

146

 

568

 

394

Increase in cash surrender value of life insurance

 

137

 

145

 

272

 

295

Other noninterest income

 

1,456

 

700

 

2,044

 

2,172

Realized (losses) gains on available-for-sale debt securities, net

(1)

2

1

2

Total noninterest income

 

6,829

 

6,302

 

12,652

 

13,084

NONINTEREST EXPENSE

 

 

 

  

 

  

Salaries and employee benefits

10,265

9,499

20,872

18,394

Net occupancy and equipment expense

1,308

1,219

2,719

2,523

Data processing and telecommunications expense

1,720

1,487

3,343

2,867

Automated teller machine and interchange expense

 

347

 

355

 

731

 

692

Pennsylvania shares tax

 

488

 

490

 

976

 

981

Professional fees

 

480

 

598

 

969

 

1,145

Other noninterest expense

 

2,431

 

1,751

 

4,315

 

4,506

Total noninterest expense

 

17,039

 

15,399

 

33,925

 

31,108

Income before income tax provision

 

9,107

 

8,840

 

17,485

 

19,737

Income tax provision

 

1,618

 

1,780

 

3,101

 

3,890

NET INCOME

$

7,489

$

7,060

$

14,384

$

15,847

EARNINGS PER COMMON SHARE - BASIC

$

0.48

$

0.44

$

0.92

$

0.99

EARNINGS PER COMMON SHARE - DILUTED

$

0.48

$

0.44

$

0.92

$

0.99

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

4

Table of Contents

CITIZENS & NORTHERN CORPORATION – FORM 10-Q

Consolidated Statements of Comprehensive (Loss) Income

(In Thousands) (Unaudited)