Citizens & Northern Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Citizens & Northern Bank has been a local, independent community bank since 1864. From the very beginning, C&N has been committed to the businesses and families in local communities. C&N has been instrumental in helping those communities thrive by providing needed funding for growth and contributing to local charities which share C&N’s mission to enhance the lives of neighbors in the communities bank serves.

Citizens & Northern Bank was formed October 1, 1971 following the consolidation of Northern National Bank of Wellsboro and Citizens National Bank of Towanda.

Citizens & Northern Bank is conveniently located in eight counties in Pennsylvania and New York. Full service branch offices are located in Bradford, Cameron, Lycoming, McKean, Potter, Sullivan and Tioga Counties in Pennsylvania and Steuben County in New York. Citizens & Northern Bank offers banking 24-7 with Internet, Telephone and Mobile Banking systems. Check out e-z Mobile Deposit app that lets you deposit checks anywhere, anytime right from your iPhone or Android Phone.