{"schema_version":"secwatch.filing_event.v1","accession":"0001558370-22-015131","form_type":"8-K","ticker":"CZNC","cik":"0000810958","company_name":"CITIZENS & NORTHERN CORP","filed_at":"2022-10-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.626267+00:00","generated_at":"2026-06-23T02:29:23.699857+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"C&N Q3 net income down 40% to $0.29/diluted share; declares $0.28 dividend","bullets":["Q3 2022 net income $4.455M ($0.29 diluted EPS) vs $7.399M ($0.47) in Q3 2021, a decline of 40%.","Provision for loan losses surged to $3.794M from $1.530M, including a $2.16M partial charge-off on a commercial real estate loan.","Net interest income rose 7.3% to $20.879M, but noninterest expense increased 13.7% to $17.443M.","Declared quarterly cash dividend of $0.28/share, payable Nov 11, 2022 to holders of record Oct 31, 2022.","Nonperforming assets increased to 0.87% of total assets, up from 0.62% at June 30, 2022."],"urls":{"canonical":"https://secwatch.observer/filing/0001558370-22-015131","json":"https://secwatch.observer/filing/0001558370-22-015131.json","markdown":"https://secwatch.observer/filing/0001558370-22-015131.md","text":"https://secwatch.observer/filing/0001558370-22-015131.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/810958/000155837022015131/0001558370-22-015131-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/810958/000155837022015131/cznc-20221020x8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-23T02:29:23.699857+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}