Citizens & Northern Corporation (CZNC) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 28.45M | 28.47M | 22.26M | 21.14M | 19.98M | 20.47M | 20.16M | 19.45M | 19.04M | 19.59M | 19.66M | 20.36M | 20.78M | 22.29M | 20.88M | 19.63M | 20.33M | 19.72M | 19.46M | 18.68M |
| NII Growth % | 42.45% | 39.08% | 10.45% | 8.73% | 4.91% | 4.49% | 2.51% | -4.5% | -8.37% | -12.1% | -5.82% | 3.76% | 2.21% | 13.07% | 7.3% | 5.05% | 1.24% | -0.18% | 0.92% | 31.13% |
| Net Interest Margin % | 0.9% | 0.91% | 0.84% | 0.81% | 0.77% | 0.78% | 0.75% | 0.75% | 0.75% | 0.78% | 0.79% | 0.82% | 0.86% | 0.91% | 0.87% | 0.81% | 0.87% | 0.85% | 0.83% | 0.8% |
| Interest Income | 40.59M | 41.4M | 33.65M | 32.45M | 31.71M | 33.33M | 33.09M | 31.33M | 30.34M | 30.24M | 29.12M | 28.01M | 26.14M | 25.86M | 23.71M | 21.31M | 21.77M | 21.25M | 21.07M | 20.43M |
| Interest Expense | 12.13M | 12.93M | 11.39M | 11.31M | 11.73M | 12.86M | 12.93M | 11.88M | 11.29M | 10.64M | 9.46M | 7.65M | 5.36M | 3.56M | 2.83M | 1.68M | 1.44M | 1.53M | 1.61M | 1.75M |
| Loan Loss Provision | 13.6M | 1.32M | 2.16M | 2.35M | 236K | -531K | 1.21M | 565K | 954K | 951K | -1.23M | 812K | -352K | 2.26M | 3.79M | 308K | 891K | 1.13M | 1.53M | 744K |
| Non-Interest Income | 8.2M | -5.38M | 6.78M | 7.74M | 6.62M | 7.2M | 6.62M | 7.38M | 6.19M | 5.37M | 5.99M | 6.24M | 5.14M | 5.64M | 5.27M | 6.48M | 5.44M | 6.03M | 6.03M | 5.95M |
| Non-Interest Income % | 16.8% | -14.95% | 16.76% | 19.25% | 17.27% | 17.76% | 16.68% | 19.07% | 16.94% | 15.08% | 17.05% | 18.22% | 16.44% | 17.9% | 18.2% | 23.32% | 19.99% | 22.11% | 22.23% | 22.55% |
| Total Revenue | 48.78M | 36.02M | 40.42M | 40.19M | 38.33M | 40.53M | 39.71M | 38.71M | 36.52M | 35.61M | 35.1M | 34.25M | 31.28M | 31.49M | 28.98M | 27.79M | 27.21M | 27.28M | 27.1M | 26.38M |
| Revenue Growth % | 27.27% | -11.12% | 1.8% | 3.84% | 4.94% | 13.82% | 13.12% | 13.01% | 16.76% | 13.07% | 21.11% | 23.24% | 14.95% | 15.45% | 6.96% | 5.37% | -3.5% | -3.44% | -4.6% | 21.18% |
| Non-Interest Expense | 22.71M | 16.38M | 18.86M | 19M | 18.66M | 18.08M | 17.76M | 18.78M | 17.82M | 18.09M | 17.44M | 18.33M | 18.61M | 16.11M | 17.05M | 16.69M | 16.5M | 15.63M | 14.99M | 15.04M |
| Efficiency Ratio | 46.56% | 45.47% | 46.65% | 47.26% | 48.67% | 44.62% | 44.72% | 48.52% | 48.78% | 50.81% | 49.67% | 53.51% | 59.5% | 51.17% | 58.81% | 60.06% | 60.64% | 57.32% | 55.31% | 57.04% |
| Operating Income | 335K | 5.39M | 8.02M | 7.53M | 7.7M | 10.12M | 7.81M | 7.48M | 6.46M | 5.92M | 9.44M | 7.46M | 7.66M | 9.55M | 5.31M | 9.11M | 8.38M | 8.98M | 8.96M | 8.84M |
| Operating Margin % | 0.69% | 14.97% | 19.83% | 18.74% | 20.1% | 24.97% | 19.68% | 19.32% | 17.68% | 16.63% | 26.88% | 21.79% | 24.49% | 30.33% | 18.33% | 32.77% | 30.79% | 32.94% | 33.08% | 33.52% |
| Operating Income Growth % | -95.65% | -46.72% | 2.59% | 0.71% | 19.29% | 70.91% | -17.21% | 0.23% | -15.71% | -38% | 77.62% | -18.06% | -8.55% | 6.31% | -40.74% | 3.02% | -23.12% | 8.9% | 172.82% | 32.08% |
| Pretax Income | 335K | 5.39M | 8.02M | 7.53M | 7.7M | 10.12M | 7.81M | 7.48M | 6.46M | 5.92M | 9.44M | 7.46M | 7.66M | 9.55M | 5.31M | 9.11M | 8.38M | 8.98M | 8.96M | 8.84M |
| Pretax Margin % | 0.69% | 14.97% | 19.83% | 18.74% | 20.1% | 24.97% | 19.68% | 19.32% | 17.68% | 16.63% | 26.88% | 21.79% | 24.49% | 30.33% | 18.33% | 32.77% | 30.79% | 32.94% | 33.08% | 33.52% |
| Income Tax | 62K | 926K | 1.46M | 1.42M | 1.41M | 1.95M | 1.45M | 1.37M | 1.15M | 1.66M | 1.85M | 1.42M | 1.41M | 1.77M | 858K | 1.62M | 1.48M | 1.68M | 1.57M | 1.78M |
| Effective Tax Rate % | 18.51% | 17.17% | 18.27% | 18.79% | 18.32% | 19.24% | 18.53% | 18.26% | 17.84% | 28.05% | 19.56% | 19.02% | 18.39% | 18.56% | 16.15% | 17.77% | 17.7% | 18.66% | 17.47% | 20.14% |
| Net Income | 273K | 4.47M | 6.55M | 6.12M | 6.29M | 8.17M | 6.37M | 6.11M | 5.31M | 4.26M | 7.59M | 6.04M | 6.25M | 7.78M | 4.46M | 7.49M | 6.89M | 7.31M | 7.4M | 7.06M |
| Net Margin % | 0.56% | 12.4% | 16.21% | 15.22% | 16.42% | 20.17% | 16.03% | 15.79% | 14.53% | 11.97% | 21.62% | 17.64% | 19.99% | 24.7% | 15.37% | 26.95% | 25.34% | 26.79% | 27.3% | 26.77% |
| Net Income Growth % | -95.66% | -45.36% | 2.92% | 0.07% | 18.6% | 91.83% | -16.15% | 1.16% | -15.14% | -45.22% | 70.39% | -19.31% | -9.31% | 6.44% | -39.79% | 6.08% | -21.53% | 7.95% | 159.8% | 29.83% |
| Net Income (Continuing) | 273K | 4.47M | 6.55M | 6.12M | 6.29M | 8.17M | 6.37M | 6.11M | 5.31M | 4.26M | 7.59M | 6.04M | 6.25M | 7.78M | 4.46M | 7.49M | 6.89M | 7.31M | 7.4M | 7.06M |
| EPS (Diluted) | 0.02 | 0.25 | 0.42 | 0.40 | 0.41 | 0.53 | 0.41 | 0.40 | 0.35 | 0.28 | 0.50 | 0.39 | 0.40 | 0.50 | 0.29 | 0.48 | 0.44 | 0.46 | 0.47 | 0.44 |
| EPS Growth % | -96.22% | -52.83% | 2.44% | 0% | 17.14% | 89.29% | -18% | 2.56% | -12.5% | -44% | 72.41% | -18.75% | -9.09% | 8.7% | -38.3% | 9.09% | -20% | 6.98% | 161.11% | 12.82% |
| EPS (Basic) | 0.02 | 0.25 | 0.42 | 0.40 | 0.41 | 0.53 | 0.41 | 0.40 | 0.35 | 0.28 | 0.50 | 0.39 | 0.40 | 0.50 | 0.29 | 0.48 | 0.44 | 0.46 | 0.47 | 0.44 |
| Diluted Shares Outstanding | 17.67M | 17.67M | 15.37M | 15.36M | 15.34M | 15.43M | 15.27M | 15.26M | 15.23M | 15.18M | 15.15M | 15.23M | 15.41M | 15.38M | 15.37M | 15.44M | 15.65M | 15.64M | 15.71M | 15.87M |