Citizens & Northern Corporation (CZNC) Quarterly Income Statement

120+ quarters historyFree accessUpdated daily

Citizens & Northern Corporation (CZNC) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CZNC Income Statement

Citizens & Northern Corporation (CZNC) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	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

Net Interest Income	30.2M	-52.54M	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
NII Growth %	35.67%	-348.49%	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%
Net Interest Margin %	0.96%	-1.67%	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%
Interest Income	42.28M	-40.59M	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
Interest Expense	12.07M	11.95M	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
Loan Loss Provision	-3.17M	13.79M	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
Non-Interest Income	9.35M	79.7M	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
Non-Interest Income %	23.64%	293.42%	22.36%	-23.32%	23.33%	26.8%	24.89%	26.02%	24.73%	27.51%	24.53%	21.51%	23.34%	23.45%	19.83%	20.18%	20.17%	24.83%	21.11%	23.42%
Total Net Revenue	39.56M	27.16M	36.65M	23.09M	29.04M	28.88M	26.6M	27.67M	26.78M	26.83M	25.23M	24.96M	25.65M	26.6M	25.92M	27.93M	26.15M	26.11M	25.77M	25.75M
Revenue Growth %	36.22%	-5.95%	37.8%	-16.56%	8.44%	7.66%	5.42%	10.85%	4.41%	0.85%	-2.67%	-10.61%	-1.93%	1.89%	0.59%	8.47%	2.63%	6.01%	-2.85%	-1.52%
Non-Interest Expense	22.33M	13.71M	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
Efficiency Ratio	56.44%	50.47%	61.97%	70.93%	64.95%	65.77%	70.15%	65.34%	66.32%	70.01%	70.62%	72.47%	67.98%	68.9%	71.8%	57.7%	65.18%	63.94%	64.03%	60.72%
Operating Income	20.4M	-335K	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
Operating Margin %	51.58%	-1.23%	0.91%	23.35%	27.6%	26.08%	28.97%	36.57%	29.18%	27.88%	25.6%	23.72%	36.79%	28.05%	29.56%	34.2%	20.32%	34.88%	32.51%	34.9%
Operating Income Growth %	154.55%	-104.45%	-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%
Pretax Income	20.4M	17.43M	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
Pretax Margin %	51.58%	64.15%	0.91%	23.35%	27.6%	26.08%	28.97%	36.57%	29.18%	27.88%	25.6%	23.72%	36.79%	28.05%	29.56%	34.2%	20.32%	34.88%	32.51%	34.9%
Income Tax	4.12M	3.37M	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
Effective Tax Rate %	20.18%	19.33%	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%
Net Income	16.29M	14.06M	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
Net Margin %	41.17%	51.75%	0.74%	19.34%	22.56%	21.18%	23.66%	29.54%	23.77%	22.79%	21.03%	17.07%	29.6%	22.72%	24.12%	27.85%	17.03%	28.69%	26.75%	28.38%
Net Income Growth %	148.59%	129.8%	-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%
Net Income (Continuing)	16.29M	14.06M	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
EPS (Diluted)	0.92	0.79	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
EPS Growth %	119.05%	97.5%	-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%
EPS (Basic)	0.92	0.79	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
Diluted Shares Outstanding	17.79M	17.67M	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