C&N Q3 2024 EPS $0.41, down 18% YoY; nonperforming loans rise to 1.29%

CITIZENS & NORTHERN CORP

2024-Q3 EPS reported $1.16

Net income $6.365M ($0.41 diluted EPS) vs $7.591M ($0.50) in Q3 2023, down 16.2%.
Net interest income $20.156M, up $493K QoQ; net interest margin 3.29% vs 3.35% YoY.
Provision for credit losses $1.207M in Q3 2024 vs a credit of $1.225M in Q3 2023.
Nonperforming loans $24.5M, 1.29% of total loans, up from 1.04% at June 30, 2024.
Quarterly dividend maintained at $0.28/share; payable Nov 8, 2024 to record Oct 28.

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