secwatch.observer — SEC 8-K summary
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Issuer:     CITIZENS & NORTHERN CORP (CZNC)
CIK:        0000810958
Form:       8-K
Filed at:   2021-10-21T23:59:59+00:00
Accession:  0001558370-21-013352
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

C&N Q3 2021 EPS $0.47, up from $0.18 YoY; declares $0.28 dividend
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- GAAP diluted EPS $0.47 in Q3 2021, up from $0.44 QoQ and $0.18 YoY.
- Non-GAAP adjusted EPS $0.47 vs $0.50 in Q3 2020 on exclusion of merger expenses.
- Board declares $0.28/share cash dividend, payable Nov 12, 2021 to record Nov 1, 2021.
- Net interest income $19.46M, up $0.78M QoQ; net interest margin 3.59% vs 3.52%.
- Provision for loan losses $1.53M, includes $1.19M net charge-off on a commercial loan.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/810958/000155837021013352/0001558370-21-013352-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/810958/000155837021013352/cznc-20211021x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-21-013352

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer