Citizens & Northern Corp
NASDAQ:CZNC
Balance Sheet
Balance Sheet Decomposition
Citizens & Northern Corp
Citizens & Northern Corp
Balance Sheet
Citizens & Northern Corp
| Dec-2001 | Dec-2002 | Dec-2003 | Dec-2004 | Dec-2005 | Dec-2006 | Dec-2007 | Dec-2008 | Dec-2009 | Dec-2010 | Dec-2011 | Dec-2012 | Dec-2013 | Dec-2014 | Dec-2015 | Dec-2016 | Dec-2017 | Dec-2018 | Dec-2019 | Dec-2020 | Dec-2021 | Dec-2022 | Dec-2023 | Dec-2024 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||||||||||||||||
| Net Loans |
374
|
445
|
519
|
573
|
645
|
679
|
727
|
736
|
713
|
721
|
701
|
677
|
636
|
623
|
697
|
743
|
807
|
818
|
1 172
|
1 633
|
1 551
|
1 723
|
1 829
|
1 876
|
|
| Investments |
458
|
535
|
506
|
502
|
458
|
388
|
474
|
456
|
500
|
506
|
552
|
541
|
516
|
542
|
446
|
415
|
380
|
387
|
371
|
436
|
611
|
14 703
|
470
|
529
|
|
| PP&E Net |
10
|
10
|
13
|
17
|
23
|
23
|
28
|
26
|
24
|
23
|
19
|
19
|
17
|
16
|
15
|
15
|
15
|
15
|
19
|
25
|
24
|
26
|
25
|
24
|
|
| PP&E Gross |
10
|
10
|
13
|
17
|
23
|
23
|
28
|
26
|
24
|
23
|
19
|
19
|
17
|
16
|
15
|
15
|
15
|
15
|
19
|
25
|
24
|
26
|
25
|
24
|
|
| Accumulated Depreciation |
11
|
12
|
13
|
15
|
19
|
21
|
22
|
22
|
24
|
26
|
27
|
28
|
29
|
31
|
33
|
34
|
32
|
32
|
30
|
31
|
32
|
31
|
30
|
30
|
|
| Intangible Assets |
0
|
0
|
0
|
0
|
1
|
0
|
1
|
1
|
1
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
4
|
3
|
3
|
2
|
2
|
|
| Goodwill |
0
|
0
|
0
|
0
|
3
|
3
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
28
|
53
|
53
|
53
|
53
|
53
|
|
| Customer Acceptances Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Long-Term Assets |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
22
|
16
|
6
|
2
|
6
|
2
|
3
|
5
|
3
|
4
|
3
|
3
|
6
|
21
|
17
|
19
|
|
| Other Assets |
16
|
19
|
19
|
21
|
22
|
24
|
38
|
51
|
49
|
39
|
34
|
33
|
51
|
48
|
51
|
51
|
53
|
52
|
75
|
122
|
120
|
14 040
|
154
|
146
|
|
| Total Assets |
867
N/A
|
1 019
+18%
|
1 067
+5%
|
1 123
+5%
|
1 163
+4%
|
1 127
-3%
|
1 284
+14%
|
1 282
0%
|
1 322
+3%
|
1 317
0%
|
1 324
+1%
|
1 287
-3%
|
1 238
-4%
|
1 242
+0%
|
1 223
-1%
|
1 242
+2%
|
1 277
+3%
|
1 291
+1%
|
1 654
+28%
|
2 239
+35%
|
2 328
+4%
|
2 454
+5%
|
2 516
+2%
|
2 611
+4%
|
|
| Liabilities | |||||||||||||||||||||||||
| Accounts Payable |
5
|
9
|
9
|
8
|
5
|
7
|
5
|
8
|
7
|
6
|
8
|
9
|
7
|
7
|
8
|
8
|
9
|
11
|
11
|
24
|
20
|
22
|
23
|
31
|
|
| Accrued Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
2
|
3
|
4
|
4
|
4
|
3
|
|
| Short-Term Debt |
36
|
79
|
80
|
89
|
75
|
76
|
135
|
141
|
132
|
18
|
5
|
6
|
64
|
67
|
32
|
32
|
4
|
6
|
2
|
2
|
2
|
3
|
2
|
2
|
|
| Total Deposits |
576
|
640
|
658
|
677
|
757
|
760
|
839
|
864
|
927
|
1 004
|
1 018
|
1 006
|
955
|
968
|
936
|
984
|
1 008
|
1 034
|
1 253
|
1 821
|
1 925
|
1 998
|
2 015
|
2 094
|
|
| Other Interest Bearing Liabilities |
148
|
173
|
193
|
216
|
193
|
153
|
165
|
144
|
104
|
149
|
125
|
84
|
32
|
12
|
60
|
33
|
67
|
43
|
136
|
73
|
28
|
139
|
170
|
165
|
|
| Other Current Liabilities |
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Current Liabilities |
43
|
90
|
91
|
99
|
82
|
85
|
143
|
151
|
139
|
25
|
13
|
14
|
71
|
74
|
40
|
40
|
13
|
17
|
14
|
30
|
26
|
29
|
29
|
36
|
|
| Long-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
7
|
17
|
48
|
39
|
40
|
40
|
|
| Total Liabilities |
767
N/A
|
903
+18%
|
942
+4%
|
991
+5%
|
1 031
+4%
|
998
-3%
|
1 146
+15%
|
1 160
+1%
|
1 169
+1%
|
1 178
+1%
|
1 156
-2%
|
1 104
-5%
|
1 058
-4%
|
1 054
0%
|
1 036
-2%
|
1 056
+2%
|
1 089
+3%
|
1 094
+0%
|
1 410
+29%
|
1 939
+38%
|
2 026
+4%
|
2 205
+9%
|
2 253
+2%
|
2 335
+4%
|
|
| Equity | |||||||||||||||||||||||||
| Common Stock |
5
|
5
|
8
|
8
|
8
|
9
|
9
|
9
|
38
|
12
|
13
|
13
|
13
|
13
|
13
|
13
|
13
|
13
|
14
|
16
|
16
|
16
|
16
|
16
|
|
| Retained Earnings |
72
|
79
|
87
|
93
|
96
|
98
|
98
|
98
|
53
|
66
|
82
|
95
|
101
|
106
|
110
|
113
|
114
|
123
|
127
|
130
|
143
|
152
|
157
|
166
|
|
| Additional Paid In Capital |
20
|
21
|
20
|
23
|
25
|
27
|
43
|
44
|
67
|
67
|
68
|
69
|
70
|
72
|
72
|
72
|
72
|
73
|
105
|
144
|
145
|
144
|
144
|
144
|
|
| Unrealized Security Profit/Loss |
0
|
0
|
0
|
0
|
0
|
2
|
7
|
23
|
1
|
1
|
11
|
12
|
1
|
5
|
3
|
1
|
2
|
4
|
4
|
12
|
5
|
50
|
39
|
37
|
|
| Treasury Stock |
2
|
2
|
2
|
2
|
2
|
4
|
5
|
6
|
5
|
4
|
5
|
4
|
4
|
7
|
9
|
10
|
8
|
6
|
4
|
1
|
7
|
13
|
17
|
13
|
|
| Other Equity |
5
|
12
|
12
|
11
|
5
|
1
|
1
|
0
|
0
|
0
|
1
|
1
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
0
|
0
|
|
| Total Equity |
100
N/A
|
116
+16%
|
125
+8%
|
132
+5%
|
132
+0%
|
130
-2%
|
138
+6%
|
122
-11%
|
152
+25%
|
139
-9%
|
167
+21%
|
183
+9%
|
180
-2%
|
188
+5%
|
188
0%
|
186
-1%
|
188
+1%
|
197
+5%
|
245
+24%
|
300
+23%
|
301
+1%
|
249
-17%
|
262
+5%
|
275
+5%
|
|
| Total Liabilities & Equity |
867
N/A
|
1 019
+18%
|
1 067
+5%
|
1 123
+5%
|
1 163
+4%
|
1 127
-3%
|
1 284
+14%
|
1 282
0%
|
1 322
+3%
|
1 317
0%
|
1 324
+1%
|
1 287
-3%
|
1 238
-4%
|
1 242
+0%
|
1 223
-1%
|
1 242
+2%
|
1 277
+3%
|
1 291
+1%
|
1 654
+28%
|
2 239
+35%
|
2 328
+4%
|
2 454
+5%
|
2 516
+2%
|
2 611
+4%
|
|
| Shares Outstanding | |||||||||||||||||||||||||
| Common Shares Outstanding |
8
|
8
|
8
|
8
|
8
|
8
|
9
|
9
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
12
|
14
|
16
|
16
|
16
|
15
|
15
|
|
| Preferred Shares Outstanding |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|