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Profile - Citizens & Northern Corp. (OTC BB:CZNC.OB)
As of 31-Aug-2001
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More Info: Quote | Chart | News | Profile | SEC | Insider | Financials
Location
90-92 Main Street
Wellsboro, PA 16901
Phone: (570) 724-3411
Fax: (570) 724-6395
Email: craigl@cnbankpa.com
Employees (last reported count): 240
Financial Links
 ·Top Institutional Holders
 ·Top Mutual Fund Holders
 ·Historical Quote Data
 ·Raw SEC Filings at sec.gov
Competitors:
 ·Sector: Financial
 ·Industry: Regional Banks
Company Websites
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Ownership
·Insider and 5%+ Owners: 3%
·Over the last 6 months:
 · one insider buy; 1,000  shares (0.7% of insider shares)
·Institutional: 0% (0% of float)
(0 institutions)
More From Market Guide
 ·Highlights
 ·Performance
 ·Ratio Comparisons
Business Summary
Citizens & Northern Corp. is a holding company whose principal subsidiary is Citizens & Northern Bank (the Bank). The Company's other wholly owned subsidiaries are Citizens & Northern Investment Company and Bucktail Life Insurance Company. The Company is primarily engaged in providing a full range of banking and mortgage services to individual and corporate customers in north-central Pennsylvania. Lending products include mortgage loans, commercial loans, consumer loans and credit cards, as well as specialized instruments such as commercial letters-of-credit. Deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts and certificates of deposit. The Company also offers non-insured Repo Sweep accounts. The Company provides Trust Department services, including the administration of trusts and estates, retirement plans and other employee benefit plans.
More from Market Guide: Expanded Business Description

Financial Summary
Citizens and Northern Corp. is a bank holding company for Citizens and Northern Bank, a state chartered bank with 15 offices in PA. For the six months ended 6/30/01, total interest income rose 5% to $27.2 million. Net interest income after LLP rose 11% to $12.1 million. Net income rose 25% to $5.5 million. Net interest income reflects an increase in average securities balances. Earnings reflect the inclusion of $451 thousand in life insurance income.
More from Market Guide: Significant Developments

Officers[Insider Trade Data]
FY2000 Pay

Craig Litchfield, 53
Chairman, Pres, CEO
$371K
Dawn Besse, 49
Exec. VP/Sales & Service Coordinator
--  
Thomas Briggs, 50
Exec. VP and Sr. Trust Officer
--  
Brian Canfield, 49
Sr. Exec. VP and Branch System Administrator
166K
Matthew Prosseda, 39
Exec. VP and Commercial Loan Coordinator
147K
Dollar amounts are as of 31-Dec-2000 and compensation values are for the fiscal year ending on that date; "Pay" is salary, bonuses, etc..
More from Market Guide on Officers & Directors:
Expanded List, Bios, Compensation, Options
Statistics at a Glance -- OTC BB:CZNC.OBAs of 31-Aug-2001
Price and Volume
52-Week Low
on 19-Dec-2000
$19.50 
Recent Price$22.80 
52-Week High
on 25-Sep-2000
$23.515
Beta0.22 
Daily Volume (3-month avg)2,727 
Daily Volume (10-day avg)1,000 
Stock Performance
[one-year price graph]
big chart [1d | 5d | 3m | 6m | 1y | 2y | 5y | max]
52-Week Change-2.0%
52-Week Change
relative to S&P500
+31.5%
Share-Related Items
Market Capitalization$119.4M
Shares Outstanding5.24M
Float5.10M
Dividends & Splits
Annual Dividend (indicated)$0.52 
Dividend Yield2.28%
Last Split: 97 for 96 on 22-Nov-2000
Per-Share Data
Book Value (mrq)$18.12 
Earnings (ttm)$1.82 
Earnings (mrq)$0.61 
Sales (ttm)$10.18 
Cash (mrq)$2.21 
Valuation Ratios
Price/Book (mrq)1.26 
Price/Earnings (ttm)12.53 
Price/Sales (ttm)2.24 
Income Statements
Sales (ttm)$53.5M
EBITDAN/A 
Income available to common (ttm)$9.57M
Profitability
Profit Margin (ttm)17.9%
Fiscal Year
Fiscal Year EndsDec 31
Most recent quarter30-June-2001
Management Effectiveness
Return on Assets (ttm)1.29%
Return on Equity (ttm)10.95%
Financial Strength
Current RatioN/A 
Long-Term Debt/Equity (mrq)0 
Total Cash (mrq)$11.6M
Short Interest
Shares ShortN/A 
See Profile Help for a description of each item above;   M = millions;   mrq = most-recent quarter;   ttm = trailing twelve months;   (as of 30-June-2001)

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