0001144204-15-043075.txt : 20150717 0001144204-15-043075.hdr.sgml : 20150717 20150717150303 ACCESSION NUMBER: 0001144204-15-043075 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 8 CONFORMED PERIOD OF REPORT: 20150717 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20150717 DATE AS OF CHANGE: 20150717 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS & NORTHERN CORP CENTRAL INDEX KEY: 0000810958 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 232451943 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-16084 FILM NUMBER: 15993670 BUSINESS ADDRESS: STREET 1: 90-92 MAIN ST CITY: WELLSBORO STATE: PA ZIP: 16901 BUSINESS PHONE: 877-838-2517 MAIL ADDRESS: STREET 1: 90-92 MAIN ST CITY: WELLSBORO STATE: PA ZIP: 16901 8-K 1 v415720_8k.htm 8-K CURRENT REPORT

 

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

FORM 8-K

 

CURRENT REPORT

 

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

 

Date of Report (Date of earliest event reported) July 17, 2015

 

CITIZENS & NORTHERN CORPORATION

(Exact name of registrant as specified in its charter)

 

Pennsylvania   0-16084   23-2451943
(State or other jurisdiction of   (Commission   (I.R.S. Employer
incorporation)   File Number)   Identification No.)
         
90-92 Main Street, Wellsboro, PA       16901
(Address of Principal Executive Office)       (Zip Code)

 

Registrant’s telephone number, including area code (570) 724-3411

 

N/A
(Former name or former address, if changed since last report)

 

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

 

¨ Written communications pursuant tor Rule 425 under the Securities Act (17 CFR 230.425)

 

¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

 

¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

 

¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

 

 
 

 

ITEM 2.02. Results of Operations and Financial Condition

 

Citizens & Northern Corporation announced unaudited, consolidated financial results for the three-month and six-month periods ended June 30, 2015. On July 17, 2015, Citizens & Northern Corporation issued a press release titled “C&N Announces Second Quarter 2015 Unaudited Financial Results,” a copy of which is furnished as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated herein by reference. Citizens & Northern Corporation’s “banCNotes,” a report that includes unaudited financial information, will be mailed to shareholders on or about July 27, 2015. A copy of the unaudited quarterly financial information included in BanCNotes is furnished as Exhibit 99.2 to this Current Report on Form 8-K and is incorporated herein by reference. Also, supplemental, unaudited financial information is furnished as Exhibit 99.3 to this Current Report on Form 8-K and is incorporated herein by reference.

 

ITEM 9.01. Financial Statements and Exhibits

 

(a) Not applicable.

(b) Not applicable.

(c) Not applicable.

(d) Exhibits.

 

Exhibit 99.1: Press Release issued by Citizens & Northern Corporation dated July 17, 2015, titled “C&N Announces Second Quarter 2015 Unaudited Financial Results.”

 

Exhibit 99.2: Unaudited financial information included in “banCNotes” report to be mailed to shareholders on or about July 27, 2015.

 

Exhibit 99.3: Supplemental, unaudited financial information.

 

Signatures

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned, thereunto duly authorized.

 

  CITIZENS & NORTHERN CORPORATION
     
Date:  7/17/15 By: /s/ Mark A. Hughes
    Treasurer and Chief Financial Officer

 

2

 EX-99.1 2 v415720_ex99-1.htm EXHIBIT 99.1

 

EXHIBIT 99.1

 

 

  Contact:  Charity Frantz
July 17, 2015 570-724-0225
  charityf@cnbankpa.com

 

C&N Announces SECOND QUARTER 2015 UNAUDITED Financial RESULTS For Immediate Release:

 

Wellsboro, PA – Citizens & Northern Corporation (C&N) announced its unaudited, consolidated financial results for the three-month and six-month periods ended June 30, 2015.

 

Net income in the second quarter 2015 amounted to $0.36 per basic and diluted share, up from $0.31 in the first quarter 2015 and $0.33 in the second quarter 2014. For the six months ended June 30, 2015, net income per basic and diluted share was $0.67, as compared to $0.68 for the first six months of 2014. The return on average assets for the first six months of 2015 was 1.31%, and the return on average equity was 8.66%.

 

Highlights related to C&N’s earnings results were as follows:

 

·Net interest income was $10,010,000 in the second quarter 2015, up slightly from $9,950,000 in the first quarter 2015 and was $263,000 (2.6%) lower than the second quarter 2014 amount of $10,273,000. For the first six months of 2015, net interest income of $19,960,000 was lower by $431,000 (2.1%) as compared to the amount for the first six months of 2014. The net interest margin of 3.69% in the second quarter 2015 was down from 3.74% in the first quarter 2015 and 3.84% in the second quarter 2014, and the net interest margin of 3.71% for the first six months of 2015 was down from 3.86% in the first six months of 2014. The decrease in margin in 2015 has resulted from reductions in yields on earning assets, mainly loans and available-for-sale securities, accompanied by a smaller decrease in average rates paid on deposits and borrowed funds.

 

·The provision for loan losses was $221,000 in the second quarter 2015, up from $3,000 in the first quarter 2015 and down from $446,000 in the second quarter 2014. For the first six months of 2015, the provision for loan losses totaled $224,000 as compared to $135,000 for the first six months of 2014. The increase in the provision for loan losses in the second quarter 2015 over the first quarter amount reflects an increase in loans outstanding, which resulted in an increase in the collectively determined portion of the allowance for loan losses. The higher provision for loan losses in the second quarter 2014 included an increase in the collectively determined portion of the allowance for loan losses as a result of an increased level of net charge-offs, including the effect of a charge-off related to one commercial relationship of $1,486,000 that was recorded in that quarter. The provision for loan losses in the first six months of 2015 included the impact of loan growth in the second quarter, partially offset by a slight reduction in qualitative factors used to determine a portion of the allowance for loan losses, while the provision for the first six months of 2014 included the effects of a required increase in the allowance due to higher net charge-offs experience, partially offset by the effects of a net reduction in specific allowances required on impaired loans and a reduction related to a decrease in loan balances outstanding.

 

1
 

 

·Noninterest revenue totaled $3,962,000 in the second quarter 2015, up from $3,487,000 in the first quarter 2015 and down slightly from $3,980,000 in the second quarter 2014. Noninterest revenue totaled $7,449,000 for the first six months of 2015, down $282,000 (3.6%) from the corresponding period in 2014. The increase in noninterest revenue in the second quarter 2015 as compared to the first quarter included the following: (1) an increase in service charges on deposit accounts of $283,000, reflecting the effects of seasonality and changes in the terms of some checking account products; (2) an increase of $114,000 in revenues from Trust and brokerage services, reflecting seasonality; and (3) an $84,000 comparative increase as the fair value of servicing rights declined $33,000 in the second quarter as compared to a decline of $117,000 in the first quarter. In comparing second quarter 2015 noninterest revenue to second quarter 2014 amounts, the most significant changes included a decrease in gains from sales of residential mortgage loans of $82,000 (30.9%) due to lower volumes of transactions and an increase of $67,000 (4.9%) in Trust and brokerage revenues. The most significant changes in components of noninterest revenue for the first six months of 2015 as compared to the corresponding period in 2014 included the following: (1) decrease of $210,000 (8.3%) in service charges on deposit accounts, primarily as a result of lower overdraft fees; (2) reduction of $202,000 as the fair value of servicing rights declined $150,000 in the first six months of 2015 as compared to an increase in fair value of $52,000 in the first six months of 2014; (3) decrease in gains from sales of residential mortgages of $86,000 (20.7%) due to lower volume; (4) increase in revenues from Trust and brokerage services of $126,000 (4.7%), reflecting an increase in assets under management; and (5) an increase in other noninterest revenues, including an increase of $48,000 in dividends from Federal Home Loan Bank of Pittsburgh stock and an increase of $25,000 in revenue from merchant services.

 

·In the second quarter 2015, C&N generated gains from sales of securities totaling $932,000, and also incurred a loss from prepayment of borrowings totaling $910,000. In comparison, realized gains from available-for-sale securities totaled $74,000 in the first quarter 2015 and $103,000 in the second quarter 2014, and there were no losses from prepayment of borrowings in the first quarter 2015 or the second quarter 2014. For the six months ended June 30, 2015, realized gains from available-for-sale securities totaled $1,006,000 as compared to $134,000 in the first six months of 2014, and the loss from prepayment of borrowings was $910,000 in the first six months of 2015 with no such loss in 2014. Security gains in the most recent quarter included gains totaling $476,000 from sales of bank stocks and $456,000 from sales of mortgage-backed securities. In the most recent quarter, C&N prepaid principal of $10 million on a long-term borrowing (repurchase agreement). The rate on the borrowing that was partially prepaid was 4.265%. Management estimates the effect of selling the securities and using the proceeds to pay down on the borrowing to be an increase in net interest income of approximately $84,000 (pre-tax) over the next 12 months. After the effect of the prepayment, the remaining balance of long-term borrowings under repurchase agreements was $51 million at June 30, 2015.

 

·Noninterest expenses, excluding loss on prepayment of borrowings, totaled $7,964,000, down from $8,464,000 in the first quarter 2015 and $8,347,000 in the second quarter 2014. For the first six months of 2015, noninterest expenses, excluding loss on prepayment of borrowings, totaled $16,428,000, down $443,000 (2.6%) from the first six months of 2014. The decrease in noninterest expenses in the second quarter 2015 as compared to the first quarter 2015 included: (1) a reduction in employee benefit-related expenses of $450,000, reflecting the timing of payroll taxes and other payroll-related expenses that are typically highest in the first quarter of each year and a reduction in employee health insurance due to lower claims on the partially self-insured plan, and (2) a reduction in other expenses of $176,000, including a net reduction of $87,000 as net gains from other real estate properties of $74,000 were realized in the second quarter as compared to net losses of $13,000 in the first quarter, and charitable donations were $73,000 lower in the second quarter. The reduction in noninterest expenses in the second quarter 2015 as compared to the second quarter 2014 included a reduction in employee benefit-related expenses of $218,000, primarily due to lower health insurance expense due to lower claims and a reduction in other expenses of $120,000, including a reduction in charitable donations of $85,000 attributable to the timing of donations made in each year. The reduction in noninterest expenses for the first six months of 2015 as compared to the corresponding period in 2014 included the following: (1) reduction in employee benefit-related expenses of $152,000 due to lower employee health insurance expense as a result of lower claims; (2) a reduction in salaries and wages expenses of $121,000, including a reduction in stock-based compensation for employees of $100,000 that reflects a longer vesting period associated with awards to executives; (3) a reduction in Pennsylvania shares tax expense of $112,000, mainly as a result of an increase in tax credits associated with charitable contributions; and (4) a reduction in other expenses of $85,000, including a reduction in net loan collection costs of $84,000.

 

2
 

 

Other Information:

Changes in other unaudited financial information are as follows:

 

·Total assets amounted to $1,255,722,000 at June 30, 2015, up from $1,251,958,000 at March 31, 2015 and down slightly from $1,256,205,000 at June 30, 2014.

 

·Net loans outstanding (excluding mortgage loans held for sale) were $656,518,000 at June 30, 2015, up from $621,211,000 at March 31, 2015 and up 6.9% from $614,347,000 at June 30, 2014. In the most recent quarter, total commercial loans outstanding increased $26.5 million, including an increase in loans to political subdivisions (municipal loans) of $21.4 million, and total outstanding residential mortgage-related loans increased $9.5 million. Average total loans outstanding for the second quarter 2015 of $641,214,000 was up $16.8 million from the first quarter 2015 and $19.2 million from the second quarter 2014 amounts. Average total loans for the first six months of 2015 amounted to $632,865,000 or $4.3 million (0.7%) more than the corresponding amount for the first six months of 2014.

 

·The outstanding balance of residential mortgages originated by C&N and sold to third parties, with servicing retained, totaled $151,132,000 at June 30, 2015 as compared to $151,272,000 at March 31, 2015 and $150,725,000 at December 31, 2014.

 

·Total nonperforming assets as a percentage of assets was 1.26% at June 30, 2015, as compared to 1.33% at March 31, 2015 and down from 1.44% at June 30, 2014.

 

·Deposits and repo sweep accounts totaled $983,255,000 at June 30, 2015, as compared to $982,474,000 at March 31, 2015 and $983,876,000 at June 30, 2014. Average total deposits of $981,152,000 in the second quarter 2015 were up $15.1 million from the first quarter 2015 and $16.6 million from the second quarter 2014 amounts. Average total deposits for the first six months of 2015 amounted to $973,631,000 or $18.7 million (2.0%) more than the corresponding amount for the first six months of 2014. Most of the growth in average deposits in the first six months of 2015 was in noninterest-bearing demand deposits (mainly checking accounts).

 

·Total shareholders’ equity was $186,973,000 at June 30, 2015 as compared to $189,103,000 at March 31, 2015 and $189,173,000 at June 30, 2014. Tangible common equity as a percentage of tangible assets was 14.07% at June 30, 2015, down slightly from 14.24% a year earlier. In July 2014, C&N announced a common stock repurchase plan for the repurchase of up to 622,500 shares, or 5% of the total shares outstanding on July 16, 2014. In the second quarter 2015, 20,200 shares were repurchased for a total cost of $393,000, at an average price of $19.46 per share. Cumulatively through June 30, 2015, 384,300 shares had been repurchased for a total cost of $7,417,000, at an average price of $19.30 per share.

 

·Assets under management by C&N’s Trust and Financial Management Group amounted to $833,762,000 at June 30, 2015, an increase of 1.2% from a year earlier.

 

Citizens & Northern Corporation is the parent company of Citizens & Northern Bank, a local, independent community bank providing complete financial, investment and insurance services through 26 full service offices throughout Tioga, Bradford, Sullivan, Lycoming, Potter, Cameron and McKean counties in Pennsylvania and in Canisteo and South Hornell, NY. C&N can be found on the worldwide web at www.cnbankpa.com. The Company’s stock is listed on NASDAQ Capital Market Securities under the symbol CZNC.

 

Safe Harbor Statement: Except for historical information contained herein, the matters discussed in this release are forward-looking statements. Investors are cautioned that all forward-looking statements involve risks and uncertainty, including without limitation, the following: changes in monetary and fiscal policies of the Federal Reserve Board and the U.S. Government, particularly related to changes in interest rates; changes in general economic conditions; legislative or regulatory changes; downturn in demand for loan, deposit and other financial services in the Corporation’s market area; increased competition from other banks and non-bank providers of financial services; technological changes and increased technology-related costs; changes in management’s assessment of realization of securities and other assets; and changes in accounting principles, or the application of generally accepted accounting principles. Citizens & Northern disclaims any intention or obligation to publicly update or revise any forward-looking statements, whether as a result of events or circumstances after the date hereof or to reflect the occurrence of unanticipated events.

 

3

 

 EX-99.2 3 v415720_ex99-2.htm EXHIBIT 99.2

 

EXHIBIT 99.2

 

June 30, 2015 QUARTERLY REPORT  

 

Dear Shareholder:

 

Welcome to banCNotes, the new format for our quarterly report. There is much going on at C&N and we are excited to provide you with additional insight into your Company. We will continue to deliver information and perspective on quarterly financial performance, while adding features that highlight issues relating to our customers, community activities, and our Team of employees. Our goal is to strengthen your relationship with this great company as we pursue our Vision of being the foremost source of financial advice, counsel, and solutions for the clients and communities we serve. We hope you find this enlightening.

 

During the second quarter, management was focused on activities to reverse the trend of declining net interest income primarily caused by a flat yield curve and lack of loan growth. Declining margin revenue is the major reason for recent decreases in earnings and success in this effort will be a key for C&N to deliver future earnings growth to support shareholder value. In addition, our priorities include maintaining strong credit quality, growing noninterest revenue from a variety of business lines, and controlling expense growth while investing in areas we believe will drive future revenue. Second quarter results illustrate progress on all of these priorities.

 

Earnings per share for the second quarter 2015 were $0.36, up from $0.31 in the first quarter 2015 and $0.33 in the second quarter 2014. For the six months ended June 30, 2015, earnings per share was $0.67, as compared to $0.68 for the first six months of 2014. Return on average assets for the first six months of 2015 was 1.31%, and return on average equity was 8.66%.

 

While the yield curve remains a challenge and the net interest margin contracted slightly during the second quarter of 2015, loans outstanding increased $35 million during the second quarter. As a result, net interest income increased to $10.01 million from $9.95 million in the first quarter 2015. Net interest income was $263,000 (2.6%) lower than the second quarter 2014 amount of $10.27 million. For the first six months of 2015, net interest income of $19.96 million was lower by $431,000 (2.1%) as compared to the amount for the first six months of 2014. The net interest margin of 3.69% in the second quarter 2015 was down from 3.74% in the first quarter 2015 and 3.84% in the second quarter 2014, and the net interest margin of 3.71% for the first six months of 2015 was down from 3.86% in the first six months of 2014. The decrease in margin in 2015 has resulted from reductions in yields on earning assets, mainly loans and available-for-sale securities, accompanied by a smaller decrease in average rates paid on deposits and borrowed funds.

 

The provision for loan losses was $221,000 in the second quarter 2015 down from $446,000 in the second quarter 2014. For the first six months of 2015, the provision for loan losses totaled $224,000 as compared to $135,000 for the first six months of 2014. Overall credit quality remains strong with continued, steady improvement in levels of past due and non-performing loans, as well as net charge-offs.

 

Noninterest revenue, excluding securities gains, totaled $3.96 million in the second quarter 2015, up from $3.49 million in the first quarter 2015 and down slightly from $3.98 million in the second quarter 2014. Noninterest revenue totaled $7.45 million for the first six months of 2015, down $282,000 (3.6%) from the corresponding period in 2014. The increase in noninterest revenue in the second quarter 2015 as compared to the first quarter was primarily due to increases in service charges on deposit accounts and revenues from Trust and brokerage services, and a more favorable valuation of mortgage servicing rights. In comparing second quarter and first six months of 2015 noninterest revenue to the same periods in 2014, growth in Trust and brokerage revenues were offset by decreases in service charges on deposit accounts, gains on the sale of residential mortgages, and valuation of mortgage servicing rights.

 

1
 

 

In the second quarter 2015, C&N generated gains from sales of securities totaling $932,000, and also incurred a loss $910,000 from prepayment of $10 million of borrowed funds (repurchase agreements). There were minimal securities gains in the first quarter of 2015, the second quarter of 2014, and the first six months of 2014; there were no losses from prepayment of borrowings in any of these prior periods. Management estimates the effect of selling the securities and using the proceeds to pay down on the borrowing to be an increase in net interest income of approximately $84,000 (pre-tax) over the next 12 months, while this transaction has reduced the remaining balance of long-term borrowings under repurchase agreements to $51 million.

 

Noninterest expenses, excluding loss on prepayment of borrowings, totaled $7,964,000, down from $8,464,000 in the first quarter 2015 and $8,347,000 in the second quarter 2014. For the first six months of 2015, noninterest expenses, excluding loss on prepayment of borrowings, totaled $16,428,000, down $443,000 (2.6%) from the first six months of 2014. The decrease in noninterest expenses was the result of a number of factors and reflects management’s ongoing focus on controlling overhead expenses.

 

Total assets and deposits remained relatively stable as of June 30, 2015 compared to the prior quarter, year-end 2014 and June 30, 2014. As stated earlier, total loans increased $35 million during the second quarter and have grown $42 million since June 30, 2014. These results reflect the success of ongoing business development activities in all of our markets. We are focused on driving continued loan growth and providing additional value to these relationships that will support future growth in other areas of the business.

 

C&N’s capital position is very strong, by all measures, and remains the cornerstone of a balance sheet that is poised to support growth. We continue to take steps to support shareholder value including maintaining a strong cash dividend and continuation of the common stock repurchase program. The second quarter dividend was $.26 per share producing a yield of 5.06% based on the June 30, 2015 market price of $20.55. The Company repurchased 20,200 shares during the second quarter of 2015 at an average price of $19.46 per share. Cumulatively, 384,300 shares have been repurchased at an average price of $19.30 since the plan to buy back up to 622,500 shares was announced in July 2014.

 

I would like to close by thanking our Team for their energy and engagement. We have quickly built on the strong relationships that existed throughout the organization and with our Board of Directors, and have re-energized our market Advisory Boards. Our progress during the second quarter is a preview of the results we can achieve as we work collectively to deliver to our customers and grow our franchise. As shareholders, I encourage you to engage with C&N. We want to be your source of financial advice, counsel, and solutions, and welcome your feedback.

 

Thank you for your ongoing support.

 

J. Bradley Scovill

President and CEO

 

2
 

 

CONDENSED, CONSOLIDATED EARNINGS INFORMATION

(In Thousands, Except Per Share Data) (Unaudited)

 

   2ND   2ND         
   QUARTER   QUARTER         
   2015   2014         
   (Current)   (Prior Year)   $ Incr. (Decr.)   % Incr. (Decr.) 
Interest and Dividend Income  $11,186   $11,563   $(377)   -3.26%
Interest Expense   1,176    1,290    (114)   -8.84%
Net Interest Income   10,010    10,273    (263)   -2.56%
Provision for Loan Losses   221    446    (225)   -50.45%
Net Interest Income After Provision for Loan Losses   9,789    9,827    (38)   -0.39%
Other Income   3,962    3,980    (18)   -0.45%
Net Gains on Available-for-sale Securities   932    103    829    804.85%
Loss on Prepayment of Borrowings   910    0    910      
Other Noninterest Expenses   7,964    8,347    (383)   -4.59%
Income Before Income Tax Provision   5,809    5,563    246    4.42%
Income Tax Provision   1,452    1,400    52    3.71%
Net Income  $4,357   $4,163   $194    4.66%
                     
PER COMMON SHARE DATA:                    
Net Income – Basic  $0.36   $0.33   $0.03    9.09%
Net Income – Diluted  $0.36   $0.33   $0.03    9.09%
Dividend Per Share  $0.26   $0.26   $0.00    0.00%
Number Shares Used in Computation - Basic   12,199,996    12,441,679           
Number Shares Used in Computation - Diluted   12,222,526    12,459,384           

 

   6 MONTHS ENDED         
   JUNE 30,         
   2015   2014         
   (Current)   (Prior Year)   $ Incr. (Decr.)   % Incr. (Decr.) 
Interest and Dividend Income  $22,349   $22,969   $(620)   -2.70%
Interest Expense   2,389    2,578    (189)   -7.33%
Net Interest Income   19,960    20,391    (431)   -2.11%
Provision for Loan Losses   224    135    89    65.93%
Net Interest Income After Provision for Loan Losses   19,736    20,256    (520)   -2.57%
Other Income   7,449    7,731    (282)   -3.65%
Net Gains on Available-for-sale Securities   1,006    134    872    650.75%
Loss on Prepayment of Borrowings   910    0    910      
Other Noninterest Expenses   16,428    16,871    (443)   -2.63%
Income Before Income Tax Provision   10,853    11,250    (397)   -3.53%
Income Tax Provision   2,681    2,799    (118)   -4.22%
Net Income  $8,172   $8,451   $(279)   -3.30%
                     
PER COMMON SHARE DATA:                    
Net Income – Basic  $0.67   $0.68   $(0.01)   -1.47%
Net Income – Diluted  $0.67   $0.68   $(0.01)   -1.47%
Dividend Per Share  $0.52   $0.52   $0.00    0.00%
Number Shares Used in Computation - Basic   12,233,964    12,429,717           
Number Shares Used in Computation - Diluted   12,255,672    12,451,459           
Market Value (Last Trade)  $20.55   $19.49   $1.06    5.44%
Price Earnings Multiple (Annualized)   15.34    14.33    1.01    7.05%
Dividend Yield (Annualized)   5.06%   5.34%   -0.28%   -5.24%

 

3
 

 

CONDENSED, CONSOLIDATED BALANCE SHEET DATA

(In Thousands, Except Per Share Data) (Unaudited)

 

   JUNE 30,   JUNE 30,   JUNE 30, 2015 vs 2014 
   2015   2014   $ Incr. (Decr.)   % Incr. (Decr.) 
ASSETS                    
Cash & Due from Banks  $35,405   $59,948   $(24,543)   -40.94%
Available-for-sale Securities   497,111    512,748    (15,637)   -3.05%
Loans Held for Sale   192    0    192      
Loans, Net   656,518    614,347    42,171    6.86%
Intangible Assets   11,983    12,012    (29)   -0.24%
Other Assets   54,513    57,150    (2,637)   -4.61%
TOTAL ASSETS  $1,255,722   $1,256,205   $(483)   -0.04%
                     
LIABILITIES                    
Deposits  $978,449   $979,239   $(790)   -0.08%
Repo Sweep Accounts   4,806    4,637    169    3.64%
Total Deposits and Repo Sweeps   983,255    983,876    (621)   -0.06%
Borrowed Funds   77,916    73,201    4,715    6.44%
Other Liabilities   7,578    9,955    (2,377)   -23.88%
TOTAL LIABILITIES   1,068,749    1,067,032    1,717    0.16%
                     
SHAREHOLDERS' EQUITY                    
Common Shareholders' Equity, Excluding Accumulated                    
Other Comprehensive Income   182,887    183,757    (870)   -0.47%
Accumulated Other Comprehensive Income:                    
Net Unrealized Gains/Losses on Available-for-sale Securities   4,077    5,316    (1,239)   -23.31%
Defined Benefit Plans   9    100    (91)   -91.00%
TOTAL SHAREHOLDERS' EQUITY   186,973    189,173    (2,200)   -1.16%
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY  $1,255,722   $1,256,205   $(483)   -0.04%

 

4

 EX-99.3 4 v415720_ex99-3.htm EXHIBIT 99.3

 

EXHIBIT 99.3 – Supplemental, Unaudited Financial Information

 

 

CONDENSED, CONSOLIDATED FINANCIAL HIGHLIGHTS

(In Thousands, Except Per Share Data)       (Unaudited)

 

   6 MONTHS ENDED   % 
   JUNE 30,   INCREASE 
   2015   2014   (DECREASE) 
EARNINGS PERFORMANCE               
Net Income  $8,172   $8,451    -3.30%
Return on Average Assets   1.31%   1.38%   -5.07%
Return on Average Equity   8.66%   9.16%   -5.46%
                
BALANCE SHEET HIGHLIGHTS               
Total Assets  $1,255,722   $1,256,205    -0.04%
Available-for-Sale Securities   497,111    512,748    -3.05%
Loans (Net)   656,518    614,347    6.86%
Allowance for Loan Losses   7,300    7,267    0.45%
Deposits and Repo Sweep Accounts   983,255    983,876    -0.06%
                
OFF-BALANCE SHEET               
Outstanding Balance of Mortgage Loans Sold with Servicing Retained   151,132    150,725    0.27%
Trust Assets Under Management   833,762    824,279    1.15%
                
SHAREHOLDERS' VALUE (PER COMMON SHARE)               
Net Income - Basic  $0.67   $0.68    -1.47%
Net Income - Diluted  $0.67   $0.68    -1.47%
Dividends  $0.52   $0.52    0.00%
Common Book Value  $15.33   $15.19    0.92%
Tangible Common Book Value  $14.35   $14.23    0.84%
Market Value (Last Trade)  $20.55   $19.49    5.44%
Market Value /  Common Book Value   134.05%   128.31%   4.47%
Market Value /  Tangible Common Book Value   143.21%   136.96%   4.56%
Price Earnings Multiple (Annualized)   15.34    14.33    7.05%
Dividend Yield (Annualized)   5.06%   5.34%   -5.24%
Common Shares Outstanding, End of Period   12,196,830    12,450,005    -2.03%
                
SAFETY AND SOUNDNESS               
Tangible Common Equity / Tangible Assets   14.07%   14.24%   -1.19%
Nonperforming Assets / Total Assets   1.26%   1.44%   -12.50%
Allowance for Loan Losses / Total Loans   1.10%   1.17%   -5.98%
Total Risk Based Capital Ratio (a)   24.42%   27.82%   -12.22%
Tier 1 Risk Based Capital Ratio (a)   23.28%   26.48%   -12.08%
Common Equity Tier 1 Risk Based Capital Ratio (a)   23.28%          
Leverage Ratio (a)   13.82%   14.07%   -1.78%
                
AVERAGE BALANCES               
Average Assets  $1,248,904   $1,228,111    1.69%
Average Equity  $188,621   $184,470    2.25%

 

(a) Capital ratios for the most recent period are estimated. The Common Equity Tier 1 Risk Based Capital Ratio became applicable to the Corporation in the first quarter 2015.

 

1
 

 

QUARTERLY CONDENSED, CONSOLIDATED INCOME STATEMENT INFORMATION

(In Thousands) (Unaudited)  For the Three Months Ended:             
   June 30,   Mar. 31,   Dec. 31,   Sept. 30,   June 30,   Mar. 31, 
   2015   2015   2014   2014   2014   2014 
Interest income  $11,186   $11,163   $11,468   $11,572   $11,563   $11,406 
Interest expense   1,176    1,213    1,257    1,287    1,290    1,288 
Net interest income   10,010    9,950    10,211    10,285    10,273    10,118 
Provision (credit) for loan losses   221    3    123    218    446    (311)
Net interest income after provision (credit) for loan losses   9,789    9,947    10,088    10,067    9,827    10,429 
Other income   3,962    3,487    3,802    3,887    3,980    3,751 
Net gains on available-for-sale securities   932    74    210    760    103    31 
Loss on prepayment of borrowings   910    0    0    0    0    0 
Other expenses   7,964    8,464    8,250    9,036    8,347    8,524 
Income before income tax provision   5,809    5,044    5,850    5,678    5,563    5,687 
Income tax provision   1,452    1,229    1,482    1,411    1,400    1,399 
Net income  $4,357   $3,815   $4,368   $4,267   $4,163   $4,288 
Net income per share – basic  $0.36   $0.31   $0.35   $0.34   $0.33   $0.35 
Net income per share – diluted  $0.36   $0.31   $0.35   $0.34   $0.33   $0.34 

 

CONDENSED, CONSOLIDATED BALANCE SHEET INFORMATION        
(In Thousands) (Unaudited)  As of:             
   June 30,   Mar. 31,   Dec. 31,   June 30, 
   2015   2015   2014   2014 
ASSETS                    
Cash & Due from Banks  $35,405   $36,430   $36,047   $59,948 
Available-for-Sale Securities   497,111    527,814    516,807    512,748 
Loans Held for Sale   192    214    0    0 
Loans, Net   656,518    621,211    623,209    614,347 
Intangible Assets   11,983    11,989    11,994    12,012 
Other Assets   54,513    54,300    53,906    57,150 
TOTAL ASSETS  $1,255,722   $1,251,958   $1,241,963   $1,256,205 
                     
LIABILITIES                    
Deposits  $978,449   $976,634   $967,989   $979,239 
Repo Sweep Accounts   4,806    5,840    5,537    4,637 
Total Deposits and Repo Sweeps   983,255    982,474    973,526    983,876 
Borrowed Funds   77,916    72,988    73,060    73,201 
Other Liabilities   7,578    7,393    7,015    9,955 
TOTAL LIABILITIES   1,068,749    1,062,855    1,053,601    1,067,032 
                     
SHAREHOLDERS' EQUITY                    
Common Shareholders' Equity, Excluding Accumulated Other Comprehensive Income/ Loss   182,887    181,437    183,002    183,757 
Accumulated Other Comprehensive Income/ Loss:                    
Net Unrealized Gains/Losses on Available-for-sale Securities   4,077    7,654    5,281    5,316 
Defined Benefit Plans Adjustment, Net   9    12    79    100 
TOTAL SHAREHOLDERS' EQUITY   186,973    189,103    188,362    189,173 
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY  $1,255,722   $1,251,958   $1,241,963   $1,256,205 

 

2
 

 

AVAILABLE-FOR-SALE SECURITIES  June 30, 2015   March 31, 2015   December 31, 2014 
(In Thousands)  Amortized   Fair   Amortized   Fair   Amortized   Fair 
   Cost   Value   Cost   Value   Cost   Value 
                         
Obligations of U.S. Government agencies  $27,189   $26,871   $27,205   $27,025   $27,221   $26,676 
Obligations of states and political subdivisions:                              
Tax-exempt   115,908    119,749    117,378    122,502    120,086    124,839 
Taxable   34,872    35,135    36,861    37,417    33,637    33,878 
Mortgage-backed securities   76,323    76,790    90,130    92,088    82,479    83,903 
Collateralized mortgage obligations, Issued by U.S. Government agencies   231,148    230,794    238,794    240,077    239,620    238,823 
Other collateralized debt obligations   34    34    34    34    34    34 
Total debt securities   485,474    489,373    510,402    519,143    503,077    508,153 
Marketable equity securities   5,365    7,738    5,636    8,671    5,605    8,654 
Total  $490,839   $497,111   $516,038   $527,814   $508,682   $516,807 

 

Summary of Loans by Type                
(Excludes Loans Held for Sale)                
(In Thousands)  June 30,   March 31,   Dec. 31,   June 30,  
   2015   2015   2014   2014 
Residential mortgage:                    
Residential mortgage loans - first liens  $294,978   $291,612   $291,882   $291,690 
Residential mortgage loans - junior liens   21,502    20,896    21,166    22,401 
Home equity lines of credit   39,140    37,049    36,629    34,633 
1-4 Family residential construction   19,651    16,217    16,739    13,948 
Total residential mortgage   375,271    365,774    366,416    362,672 
Commercial:                    
Commercial loans secured by real estate   135,063    140,851    145,878    145,934 
Commercial and industrial   61,427    51,563    50,157    46,778 
Political subdivisions   40,908    19,479    17,534    11,617 
Commercial construction and land   7,826    7,249    6,938    8,550 
Loans secured by farmland   7,565    7,789    7,916    8,380 
Multi-family (5 or more) residential   8,561    8,673    8,917    10,548 
Agricultural loans   4,287    3,158    3,221    3,116 
Other commercial loans   12,809    13,187    13,334    13,816 
Total commercial   278,446    251,949    253,895    248,739 
Consumer   10,101    10,622    10,234    10,203 
Total   663,818    628,345    630,545    621,614 
Less: allowance for loan losses   (7,300)   (7,134)   (7,336)   (7,267)
Loans, net  $656,518   $621,211   $623,209   $614,347 

 

Loans Held for Sale                
(In Thousands)  June 30,    March 31,   Dec. 31,   June 30, 
   2015   2015   2014   2014 
Residential mortgage loans originated and serviced - outstanding balance  $151,324   $151,486   $152,505   $150,725 
Less: outstanding balance of loans sold   (151,132)   (151,272)   (152,505)   (150,725)
Loans held for sale, net  $192   $214   $0   $0 

 

3
 

 

ANALYSIS OF THE ALLOWANCE FOR LOAN LOSSES

(In Thousands)

   3 Months   3 Months   6 Months   6 Months 
   Ended   Ended   Ended   Ended 
   June 30,   Mar. 31,   June 30,   June 30, 
   2015    2015    2015    2014  
Balance, beginning of period  $7,134   $7,336   $7,336   $8,663 
Charge-offs   (77)   (222)   (299)   (1,820)
Recoveries   22    17    39    289 
Net charge-offs   (55)   (205)   (260)   (1,531)
Provision for loan losses   221    3    224    135 
Balance, end of period  $7,300   $7,134   $7,300   $7,267 

 

PAST DUE AND IMPAIRED LOANS, NONPERFORMING ASSETS

AND TROUBLED DEBT RESTRUCTURINGS (TDRs)

(In Thousands)

   June 30,   Mar. 31,   Dec 31,   June 30, 
   2015    2015    2014    2014  
Impaired loans with a valuation allowance  $3,880   $4,312   $3,241   $3,804 
Impaired loans without a valuation allowance   7,764    8,851    9,075    10,258 
Total impaired loans  $11,644   $13,163   $12,316   $14,062 
                     
Total loans past due 30-89 days and still accruing  $3,803   $5,722   $7,121   $4,837 
                     
Nonperforming assets:                    
Total nonaccrual loans  $12,060   $11,944   $12,610   $13,598 
Total loans past due 90 days or more and still accruing   2,529    3,086    2,843    3,050 
Total nonperforming loans   14,589    15,030    15,453    16,648 
Foreclosed assets held for sale (real estate)   1,223    1,583    1,189    1,419 
Total nonperforming assets  $15,812   $16,613   $16,642   $18,067 
                     
Loans subject to troubled debt restructurings (TDRs):                    
Performing  $1,119   $1,872   $1,807   $2,069 
Nonperforming   5,216    5,252    5,388    6,038 
Total TDRs  $6,335   $7,124   $7,195   $8,107 
                     
Total nonperforming loans as a % of loans   2.20%   2.39%   2.45%   2.68%
Total nonperforming assets as a % of assets   1.26%   1.33%   1.34%   1.44%
Allowance for loan losses as a % of total loans   1.10%   1.14%   1.16%   1.17%
Allowance for loan losses as a % of nonperforming loans   50.04%   47.47%   47.47%   43.65%

 

4
 

 

Analysis of Average Daily Balances and Rates

(Dollars in Thousands)

   3 Months       3 Months       3 Months     
   Ended   Rate of   Ended   Rate of   Ended   Rate of 
   6/30/2015   Return/   3/31/2015   Return/   6/30/2014   Return/ 
   Average   Cost of   Average   Cost of   Average   Cost of 
   Balance   Funds %   Balance   Funds %   Balance   Funds % 
EARNING ASSETS                              
Available-for-sale securities, at amortized cost:                              
Taxable  $389,705    2.06%  $388,104    2.15%  $372,666    2.18%
Tax-exempt   116,421    5.33%   117,674    5.35%   123,568    5.35%
Total available-for-sale securities   506,126    2.81%   505,778    2.90%   496,234    2.97%
Interest-bearing due from banks   21,970    0.46%   26,994    0.39%   33,106    0.39%
Loans held for sale   145    8.30%   89    9.11%   282    7.11%
Loans receivable:                              
Taxable   592,188    5.25%   582,498    5.37%   585,593    5.54%
Tax-exempt   49,026    4.88%   41,925    5.15%   36,422    5.62%
Total loans receivable   641,214    5.22%   624,423    5.35%   622,015    5.54%
Total Earning Assets   1,169,455    4.09%   1,157,284    4.16%   1,151,637    4.29%
Cash   17,072         16,127         17,484      
Unrealized gain/loss on securities   10,260         10,626         6,539      
Allowance for loan losses   (7,226)        (7,391)        (8,402)     
Bank premises and equipment   16,095         16,252         16,889      
Intangible Asset - Core Deposit Intangible   44         50         75      
Intangible Asset - Goodwill   11,942         11,942         11,942      
Other assets   38,065         37,135         40,965      
Total Assets  $1,255,707        $1,242,025        $1,237,129      
                               
INTEREST-BEARING LIABILITIES                              
Interest-bearing deposits:                              
Interest checking  $199,373    0.11%  $191,705    0.12%  $179,018    0.12%
Money market   196,537    0.15%   194,834    0.15%   198,753    0.15%
Savings   128,879    0.10%   127,853    0.10%   121,741    0.10%
Certificates of deposit   122,634    0.67%   122,007    0.71%   138,250    0.81%
Individual Retirement Accounts   111,765    0.41%   113,806    0.40%   120,987    0.39%
Other time deposits   1,125    0.00%   803    0.00%   1,138    0.00%
Total interest-bearing deposits   760,313    0.25%   751,008    0.26%   759,887    0.29%
Borrowed funds:                              
Short-term   9,185    0.22%   6,017    0.07%   4,766    0.08%
Long-term   69,211    4.01%   73,020    4.03%   73,232    4.03%
Total borrowed funds   78,396    3.57%   79,037    3.73%   77,998    3.79%
Total Interest-bearing Liabilities   838,709    0.56%   830,045    0.59%   837,885    0.62%
Demand deposits   220,839         215,019         204,664      
Other liabilities   7,756         8,120         7,971      
Total Liabilities   1,067,304         1,053,184         1,050,520      
Stockholders' equity, excluding other comprehensive income/loss   181,683         181,944         182,258      
Other comprehensive income/loss   6,720         6,897         4,351      
Total Stockholders' Equity   188,403         188,841         186,609      
Total Liabilities and Stockholders' Equity  $1,255,707        $1,242,025        $1,237,129      
Interest Rate Spread        3.53%        3.57%        3.67%
Net Interest Income/Earning Assets        3.69%        3.74%        3.84%
                               
Total Deposits (Interest-bearing and Demand)  $981,152        $966,027        $964,551      

 

(1) Rates of return on tax-exempt securities and loans are presented on a fully taxable-equivalent basis, using the Corporation’s marginal federal income tax rate of 35%.

(2) Nonaccrual loans have been included with loans for the purpose of analyzing net interest earnings.

 

5
 

 

Analysis of Average Daily Balances and Rates

(Dollars in Thousands)

   6 Months       6 Months     
   Ended   Rate of   Ended   Rate of 
   6/30/2015   Return/   6/30/2014   Return/ 
   Average   Cost of   Average   Cost of 
   Balance   Funds %   Balance   Funds % 
EARNING ASSETS                    
Available-for-sale securities, at amortized cost:                    
Taxable  $388,909    2.11%  $359,239    2.20%
Tax-exempt   117,044    5.34%   124,792    5.40%
Total available-for-sale securities   505,953    2.85%   484,031    3.03%
Interest-bearing due from banks   24,468    0.42%   31,611    0.40%
Loans held for sale   117    8.62%   201    8.03%
Loans receivable:                    
Taxable   587,370    5.31%   590,526    5.49%
Tax-exempt   45,495    5.00%   38,033    5.72%
Total loans receivable   632,865    5.29%   628,559    5.51%
Total Earning Assets   1,163,403    4.13%   1,144,402    4.32%
Cash   16,602         16,895      
Unrealized gain/loss on securities   10,442         4,656      
Allowance for loan losses   (7,308)        (8,590)     
Bank premises and equipment   16,173         17,085      
Intangible Asset - Core Deposit Intangible   47         79      
Intangible Asset - Goodwill   11,942         11,942      
Other assets   37,603         41,642      
Total Assets  $1,248,904        $1,228,111      
                     
INTEREST-BEARING LIABILITIES                    
Interest-bearing deposits:                    
Interest checking  $195,560    0.11%  $179,316    0.12%
Money market   195,690    0.15%   197,183    0.14%
Savings   128,369    0.10%   120,144    0.10%
Certificates of deposit   122,322    0.69%   136,551    0.84%
Individual Retirement Accounts   112,780    0.41%   121,684    0.38%
Other time deposits   965    0.00%   976    0.00%
Total interest-bearing deposits   755,686    0.26%   755,854    0.30%
Borrowed funds:                    
Short-term   7,610    0.16%   7,393    0.16%
Long-term   71,105    4.02%   73,266    4.03%
Total borrowed funds   78,715    3.65%   80,659    3.68%
Total Interest-bearing Liabilities   834,401    0.58%   836,513    0.62%
Demand deposits   217,945         199,064      
Other liabilities   7,937         8,064      
Total Liabilities   1,060,283         1,043,641      
Stockholders' equity, excluding other comprehensive income/loss   181,813         181,354      
Other comprehensive income/loss   6,808         3,116      
Total Stockholders' Equity   188,621         184,470      
Total Liabilities and Stockholders' Equity  $1,248,904        $1,228,111      
Interest Rate Spread        3.55%        3.70%
Net Interest Income/Earning Assets        3.71%        3.86%
                     
Total Deposits (Interest-bearing and Demand)  $973,631        $954,918      

 

(1) Rates of return on tax-exempt securities and loans are presented on a fully taxable-equivalent basis, using the Corporation’s marginal federal income tax rate of 35%.

(2) Nonaccrual loans have been included with loans for the purpose of analyzing net interest earnings.

 

6
 

 

COMPARISON OF NONINTEREST INCOME                      
(In Thousands)  Three Months Ended   Six Months Ended 
   June 30,   Mar. 31,   June 30,   June 30,   June 30, 
   2015   2015   2014   2015   2014 
Service charges on deposit accounts  $1,305   $1,022   $1,314   $2,327   $2,537 
Service charges and fees   123    113    134    236    261 
Trust and financial management revenue   1,241    1,114    1,138    2,355    2,185 
Brokerage revenue   206    219    242    425    469 
Insurance commissions, fees and premiums   23    40    27    63    59 
Interchange revenue from debit card transactions   500    474    517    974    970 
Net gains from sales of loans   183    147    265    330    416 
(Decrease) increase in fair value of servicing rights   (33)   (117)   (53)   (150)   52 
Increase in cash surrender value of life insurance   102    97    91    199    179 
Net loss from premises and equipment   0    0    (1)   0    (1)
Other operating income   312    378    306    690    604 
Total other operating income, before realized gains on available-for-sale securities, net  $3,962   $3,487   $3,980   $7,449   $7,731 

 

COMPARISON OF NONINTEREST EXPENSE                     
(In Thousands)  Three Months Ended   Six Months Ended 
   June 30,   Mar. 31,   June 30,   June 30,   June 30, 
   2015   2015   2014   2015   2014 
Salaries and wages  $3,603   $3,487   $3,646   $7,090   $7,211 
Pensions and other employee benefits   935    1,385    1,153    2,320    2,472 
Occupancy expense, net   640    722    641    1,362    1,356 
Furniture and equipment expense   467    454    466    921    938 
FDIC Assessments   148    151    146    299    293 
Pennsylvania shares tax   317    249    337    566    678 
Professional fees   113    122    144    235    292 
Automated teller machine and interchange expense   255    246    218    501    429 
Software subscriptions   211    197    201    408    391 
Other operating expense   1,275    1,451    1,395    2,726    2,811 
Total noninterest expense, before loss on prepayment of borrowings   7,964    8,464    8,347    16,428    16,871 
Loss on prepayment of borrowings   910    0    0    910    0 
Total noninterest expense  $8,874   $8,464   $8,347   $17,338   $16,871 

 

7

 

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