C&N reports record 2021 net income of $30.6M; declares $0.28 quarterly dividend

CITIZENS & NORTHERN CORP

2021-FY EPS reported $1.92

Full-year diluted EPS $1.92, up from $1.30 in 2020 (GAAP); adjusted non-GAAP EPS $1.92 vs $1.80.
Q4 net income $7.3M ($0.46/diluted share) vs $6.8M ($0.43) in Q4 2020.
Net interest income for 2021 $77.9M, up $10.4M YoY; net interest margin 3.69%.
Nonperforming assets to total assets improved to 0.94% at Dec 2021 from 1.10% a year earlier.
Loan loss provision $3.66M in 2021 vs $3.91M in 2020; commercial loans ex-PPP grew $76M.

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