CZNC Q2 2021 EPS $0.44, down from Q1 $0.55; declares $0.28 dividend

CITIZENS & NORTHERN CORP

2021-Q2 EPS reported $0.99

Net income $7.06M ($0.44/sh) in Q2 2021, down from $8.79M ($0.55) in Q1; up from $5.44M ($0.39) in Q2 2020.
Dividend of $0.28 per share declared, payable Aug 13, 2021 to holders of record Aug 2, 2021.
Net interest margin fell to 3.52% from 4.00% in Q1, with PPP loan fee income down $749K.
Provision for loan losses $744K, up from $259K in Q1 and a $176K credit in Q2 2020.
Total assets $2.34B, up 34% YoY; nonperforming assets ratio 1.12% at June 30, 2021.

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