0001144204-15-059142.txt : 20151013 0001144204-15-059142.hdr.sgml : 20151012 20151013124656 ACCESSION NUMBER: 0001144204-15-059142 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 8 CONFORMED PERIOD OF REPORT: 20151013 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20151013 DATE AS OF CHANGE: 20151013 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: 151155492 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 v422026_8k.htm FORM 8-K

 

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) October 13, 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 nine-month periods ended September 30, 2015. On October 13, 2015, Citizens & Northern Corporation issued a press release titled “C&N Announces Third 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 October 20, 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 October 13, 2015, titled “C&N Announces Third Quarter 2015 Unaudited Financial Results.”

 

Exhibit 99.2: Unaudited financial information included in “banCNotes” report to be mailed to shareholders on or about October 20, 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:  10/13/15 By: /s/ Mark A. Hughes
    Treasurer and Chief Financial Officer

 

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 EX-99.1 2 v422026_ex99-1.htm EXHIBIT 99.1

 

Exhibit 99.1

 

 

 

  Contact:  Charity Frantz
October 13, 2015 570-724-0225
  charityf@cnbankpa.com

 

C&N Announces THIRD 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 nine-month periods ended September 30, 2015.

 

Third quarter 2015 net income was $0.35 per basic and diluted share, as compared to $0.36 in the second quarter 2015 and $0.34 in the third quarter 2014. For the nine months ended September 30, 2015, net income per basic share was $1.02, and net income per diluted share was $1.01, as compared to $1.02 per basic and diluted share for the first nine months of 2014. The return on average assets for the first nine months of 2015 was 1.32%, and the return on average equity was 8.78%.

 

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

 

·Net interest income was $10,008,000 in the third quarter 2015, flat as compared to $10,010,000 in the second quarter 2015 and down $277,000 (2.7%) from the third quarter 2014 amount. For the first nine months of 2015, net interest income of $29,968,000 was down $708,000 (2.3%) from the first nine months of 2014. The net interest margin was 3.66% in the third quarter 2015 as compared to 3.69% in the second quarter 2015 and 3.75% in the third quarter 2014, and the net interest margin of 3.69% for the first nine months of 2015 was down from 3.82% in the first nine 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 $302,000 in the third quarter 2015, up from $221,000 in the second quarter 2015 and $218,000 in the third quarter 2014. For the first nine months of 2015, the provision for loan losses totaled $526,000, up from $353,000 for the first nine months of 2014. The higher provision for loan losses in the third quarter and first nine months of 2015 reflects an increase in loans outstanding, which resulted in an increase in the collectively determined portion of the allowance for loan losses.

 

·Noninterest revenue was $3,961,000 in the third quarter 2015, flat as compared to $3,962,000 in the second quarter 2015 and up 1.9% from the third quarter 2014 amount. Noninterest revenue totaled $11,410,000 for the first nine months of 2015, down $208,000 (1.8%) from the corresponding period in 2014. Fluctuations in noninterest revenue in the third quarter 2015 as compared to the second quarter included an increase in gains from sales of residential mortgage loans of $60,000, a comparative increase of $46,000 as the fair value of servicing rights increased $13,000 in the third quarter 2015 while the fair value had decreased $33,000 in the prior quarter, and a net reduction in revenue from Trust and brokerage services of $109,000, reflecting the effects of timing as well as a reduction in fair value of assets under management in the most recent quarter due mainly to overall declines in values of U.S. equities. The most significant changes in components of noninterest revenue for the first nine months of 2015 as compared to the corresponding period in 2014 included the following: (1) decrease of $183,000 (4.8%) in service charges on deposit accounts, primarily as a result of lower overdraft fees; (2) reduction of $172,000 as the fair value of servicing rights declined $137,000 in the first nine months of 2015 as compared to an increase in fair value of $35,000 in the first nine months of 2014; (3) net increase in revenues from Trust and brokerage services of $111,000 (2.8%); and (4) an increase in other operating income of $79,000, including an increase of $39,000 in dividends from Federal Home Loan Bank of Pittsburgh stock and an increase of $30,000 in revenue from merchant services.

 

 1 

 

 

·Realized gains from securities totaled $79,000 in the third quarter 2015. In comparison, second quarter 2015 results included gains from sales of securities totaling $932,000 and a loss from prepayment of borrowings totaling $910,000. In the third quarter 2014, realized gains from securities totaled $760,000. There were no losses from prepayment of borrowings in the third quarter 2015 or 2014. For the nine months ended September 30, 2015, realized gains from available-for-sale securities totaled $1,085,000 as compared to $894,000 in the first nine months of 2014, and the loss from prepayment of borrowings was $910,000 in the first nine months of 2015 with no such loss in 2014.

 

·Noninterest expenses, excluding loss on prepayment of borrowings, totaled $8,117,000 in the third quarter 2015, up from $7,964,000 in the second quarter 2015 and lower than the total of $9,036,000 in the third quarter 2014. For the first nine months of 2015, noninterest expenses, excluding loss on prepayment of borrowings, totaled $24,545,000, down $1,362,000 (5.3%) from the first nine months of 2014. Salaries and wages expense increased $141,000, and pensions and other employee benefits expense increased $81,000, in the third quarter 2015 as compared to the second quarter 2015 amounts. The increase in the most recent quarter in salaries and wages reflected a few recent personnel additions, including lending and operations staff. The increase in the most recent quarter in employee benefits expense included an increase in health insurance expense resulting from higher claims on C&N’s partially self-insured plan. The reduction in noninterest expenses in the third quarter 2015 as compared to the third quarter 2014 included a decrease in salaries and wages of $604,000 resulting from severance expenses in 2014, and a reduction in other operating expense of $225,000, including a reduction in net collection expenses of $79,000 and the effects of a $69,000 sales tax refund that reduced expenses in 2015. The reduction in noninterest expenses for the first nine months of 2015 as compared to the corresponding period in 2014 included the following: (1) a reduction in salaries and wages expenses of $725,000, mainly due to severance expenses in 2014; (2) a reduction in employee benefit-related expenses of $227,000 due to lower employee health insurance expense as a result of lower claims; (3) a reduction in Pennsylvania shares tax expense of $137,000, mainly as a result of an increase in tax credits associated with charitable contributions; and (4) a reduction in other expenses of $310,000, including reductions in expenses from loan collection of $157,000, other real estate properties of $86,000 and attorneys’ fees of $86,000.

 

Other Information:

Changes in other unaudited financial information are as follows:

 

·Total assets amounted to $1,232,531,000 at September 30, 2015, down from $1,255,722,000 at June 30, 2015 and $1,256,533,000 at September 30, 2014.

 

·Net loans outstanding (excluding mortgage loans held for sale) were $672,449,000 at September 30, 2015, up from $656,518,000 at June 30, 2015 and up 8.1% from $621,960,000 at September 30, 2014. In the most recent quarter, total commercial loans outstanding increased $9.4 million, and total outstanding residential mortgage-related loans increased $6.6 million. Average total loans outstanding for the third quarter 2015 of $673,735,000 was up $32.5 million from the second quarter 2015 and $47.4 million from the third quarter 2014 amounts. Average total loans for the first nine months of 2015 amounted to $646,638,000 or $18.8 million (3.0%) more than the corresponding amount for the first nine months of 2014.

 

·The outstanding balance of residential mortgages originated by C&N and sold to third parties, with servicing retained, totaled $152,275,000 at September 30, 2015 as compared to $151,132,000 at June 30, 2015 and $150,695,000 at September 30, 2014.

 

·Total nonperforming assets as a percentage of assets was 1.28% at September 30, 2015, as compared to 1.26% at June 30, 2015 and down from 1.45% at September 30, 2014.

 

 2 

 

 

·Deposits and repo sweep accounts totaled $966,856,000 at September 30, 2015, down from $983,255,000 at June 30, 2015 and $988,294,000 at September 30, 2014. Average total deposits amounted to $977,317,000 in the third quarter 2015, down $3.8 million (0.4%) from the second quarter 2015 and $2.2 million (0.2%) from the third quarter 2014 amounts. Average total deposits for the first nine months of 2015 amounted to $974,873,000 or $11.7 million (1.2%) more than the corresponding amount for the first nine months of 2014.

 

·Total shareholders’ equity was $190,100,000 at September 30, 2015 as compared to $186,973,000 at June 30, 2015 and $186,874,000 at September 30, 2014. Tangible common equity as a percentage of tangible assets was 14.59% at September 30, 2015, up from 14.05% 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 third quarter 2015, 27,100 shares were repurchased for a total cost of $529,000, at an average price of $19.52 per share. Cumulatively through September 30, 2015, 411,400 shares had been repurchased for a total cost of $7,946,000, at an average price of $19.31 per share.

 

·Assets under management by C&N’s Trust and Financial Management Group amounted to $790,215,000 at September 30, 2015, down 2.7% from a year earlier, reflecting the effect of a decrease in overall valuations of U.S. stocks in the third quarter 2015.

 

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 v422026_ex99-2.htm EXHIBIT 99.2

 

EXHIBIT 99.2

 

 

 

September 30, 2015 QUARTERLY REPORT  

 

Dear Shareholder:

 

The third quarter of 2015 was another period of progress for C&N. Our focus on “Creating Value Through Relationships” remains a clear priority. Business development activities continue to gain traction as evidenced by loan growth of $16 million during the quarter, which included increases of $9.4 million in commercial loans and $6.6 million in residential mortgages. These results reflect our priority in reversing the trend of declining net interest income due to the continued low interest rate environment. In order to sustain this momentum, we have added two commercial and two residential lenders to build relationships in the Lycoming County market, the largest market in our current footprint. Our staff across the franchise remains fully engaged in our communities. And internally, we are focused on engaging and connecting all members of the Team to enhance the value we deliver to our customers. We have included some of these efforts in this edition of banCNotes, along with a piece highlighting the value our Retirement Services Department delivers to help customers answer the question “Will You Be Ready?” as they plan for their retirement years.

 

Earnings per share for the third quarter 2015 were $0.35, compared to $0.36 in the second quarter 2015 and $0.34 in the third quarter 2014. For the nine months ended September 30, 2015, diluted earnings per share was $1.01 as compared to $1.02 for the first nine months of 2014. Return on average assets for the first nine months of 2015 was 1.32%, and return on average equity was 8.78%.

 

Net interest income was flat during the third quarter as compared to the second quarter reflecting the positive impact of loan growth in offsetting the ongoing challenges of a flat yield curve. Overall, the yield on earning assets declined slightly more than the cost of funds resulting in a net interest margin of 3.66%, or a decline of .03%.

 

The provision for loan losses was $302,000 in the third quarter, an increase of $81,000 from the second quarter. The provision totaled $526,000 through the first nine months of 2015, up from $353,000 for the same period in 2014. These increases reflect additions to the loan loss reserve to support the increase in loans outstanding. Credit quality remains strong and the level of past due and non-performing loans was stable during the quarter.

 

Noninterest revenue, excluding securities gains, totaled $3.96 million during both the second and third quarters of 2015, up from $3.89 million in the third quarter 2014. Noninterest revenue totaled $11.4 million for the first nine months of 2015, down $208,000 (1.8%) from the corresponding period in 2014. C&N generated gains from sales of securities totaling $79,000 during the third quarter.

 

Noninterest expenses, excluding loss on prepayment of borrowings, totaled $8.12 million as compared to $7.96 million in the second quarter, primarily due to increases in salaries and benefits costs of $222,000. Additions to staff and healthcare costs were the drivers of the increase in personnel expenses. For the first nine months of 2015, noninterest expenses, excluding loss on prepayment of borrowings, totaled $24.55 million, down $1.36 million (5.3%) from the first nine months of 2014. The decrease in noninterest expenses year to date were the result of a number of factors and reflects management’s ongoing focus on controlling overhead expenses, while investing in areas that support revenue growth over time.

 

1 

 

 

Total assets and deposits declined modestly during the quarter ended September 30, 2015 compared to the prior quarter, year-end 2014 and September 30, 2014. As stated earlier, total loans increased $16 million during the third quarter and have grown $50 million since September 30, 2014.

 

C&N’s capital position remains very strong by all measures and we continue to support shareholder value through a strong cash dividend and common stock repurchase program. The dividend paid in the third quarter was $.26 per share producing a yield of 5.33% based on the September 30, 2015 market price of $19.52. The Company repurchased 27,100 shares during the third quarter of 2015 at an average price of $19.52 per share. Cumulatively, 411,400 shares have been repurchased at an average price of $19.31 since the plan to buy back up to 622,500 shares was announced in July 2014.

 

We are committed to creating value for you as shareholders and encourage you to keep building your relationship with C&N as your source of financial advice, counsel, and solutions.

 

Thank you for your ongoing support.

 

 

J. Bradley Scovill

President and CEO

 

2 

 

 

CONDENSED, CONSOLIDATED EARNINGS INFORMATION

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

 

   3RD    3RD        
   QUARTER   QUARTER         
   2015   2014         
   (Current)   (Prior Year)   $ Incr. (Decr.)   % Incr. (Decr.) 
Interest and Dividend Income  $11,134   $11,572   $(438)   -3.78%
Interest Expense   1,126    1,287    (161)   -12.51%
Net Interest Income   10,008    10,285    (277)   -2.69%
Provision for Loan Losses   302    218    84    38.53%
Net Interest Income After Provision for Loan Losses   9,706    10,067    (361)   -3.59%
Other Income   3,961    3,887    74    1.90%
Net Gains on Available-for-sale Securities   79    760    (681)   -89.61%
Loss on Prepayment of Borrowings   0    0    0      
Other Noninterest Expenses   8,117    9,036    (919)   -10.17%
Income Before Income Tax Provision   5,629    5,678    (49)   -0.86%
Income Tax Provision   1,395    1,411    (16)   -1.13%
Net Income  $4,234   $4,267   $(33)   -0.77%
                     
PER COMMON SHARE DATA:                    
Net Income – Basic  $0.35   $0.34   $0.01    2.94%
Net Income – Diluted  $0.35   $0.34   $0.01    2.94%
Dividend Per Share  $0.26   $0.26   $0.00    0.00%
Number Shares Used in Computation – Basic   12,200,129    12,399,482           
Number Shares Used in Computation – Diluted   12,220,330    12,420,000           

 

CONDENSED, CONSOLIDATED EARNINGS INFORMATION

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

 

   9 MONTHS ENDED        
   SEPTEMBER 30,         
   2015   2014         
   (Current)   (Prior Year)   $ Incr. (Decr.)   % Incr. (Decr.) 
Interest and Dividend Income  $33,483   $34,541   $(1,058)   -3.06%
Interest Expense   3,515    3,865    (350)   -9.06%
Net Interest Income   29,968    30,676    (708)   -2.31%
Provision for Loan Losses   526    353    173    49.01%
Net Interest Income After Provision for Loan Losses   29,442    30,323    (881)   -2.91%
Other Income   11,410    11,618    (208)   -1.79%
Net Gains on Available-for-sale Securities   1,085    894    191    21.36%
Loss on Prepayment of Borrowings   910    0    910      
Other Noninterest Expenses   24,545    25,907    (1,362)   -5.26%
Income Before Income Tax Provision   16,482    16,928    (446)   -2.63%
Income Tax Provision   4,076    4,210    (134)   -3.18%
Net Income  $12,406   $12,718   $(312)   -2.45%
                     
PER COMMON SHARE DATA:                    
Net Income - Basic  $1.02   $1.02   $0.00    0.00%
Net Income - Diluted  $1.01   $1.02   $(0.01)   -0.98%
Dividend Per Share  $0.78   $0.78   $0.00    0.00%
Number Shares Used in Computation - Basic   12,222,557    12,419,538           
Number Shares Used in Computation - Diluted   12,243,746    12,440,917           
Market Value (Last Trade)  $19.52   $19.00   $0.52    2.74%
Price Earnings Multiple (Annualized)   14.35    13.97    0.38    2.72%
Dividend Yield (Annualized)   5.33%   5.47%   -0.14%   -2.56%

 

3 

 

 

CONDENSED, CONSOLIDATED BALANCE SHEET DATA

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

 

   SEPT. 30,   SEPT. 30,   SEPT. 30, 2015 vs 2014 
   2015   2014   $ Incr. (Decr.)   % Incr. (Decr.) 
ASSETS                    
Cash & Due from Banks  $32,221   $55,439   $(23,218)   -41.88%
Available-for-sale Securities   461,713    508,253    (46,540)   -9.16%
Loans Held for Sale   76    418    (342)   -81.82%
Loans, Net   672,449    621,960    50,489    8.12%
Intangible Assets   11,978    12,003    (25)   -0.21%
Other Assets   54,094    58,460    (4,366)   -7.47%
TOTAL ASSETS  $1,232,531   $1,256,533   $(24,002)   -1.91%
                     
LIABILITIES                    
Deposits  $961,112   $981,529   $(20,417)   -2.08%
Repo Sweep Accounts   5,744    6,765    (1,021)   -15.09%
Total Deposits and Repo Sweeps   966,856    988,294    (21,438)   -2.17%
Borrowed Funds   67,342    73,131    (5,789)   -7.92%
Other Liabilities   8,233    8,234    (1)   -0.01%
TOTAL LIABILITIES   1,042,431    1,069,659    (27,228)   -2.55%
                     
SHAREHOLDERS' EQUITY                    
Common Shareholders' Equity, Excluding Accumulated                    
Other Comprehensive Income   183,978    182,837    1,141    0.62%
Accumulated Other Comprehensive Income:                    
Net Unrealized Gains/Losses on                    
Available-for-sale Securities   6,116    3,940    2,176    55.23%
Defined Benefit Plans   6    97    (91)   -93.81%
TOTAL SHAREHOLDERS' EQUITY   190,100    186,874    3,226    1.73%
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY  $1,232,531   $1,256,533   $(24,002)   -1.91%

 

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 EX-99.3 4 v422026_ex99-3.htm EXHIBIT 99.3

 

EXHIBIT 99.3 – Supplemental, Unaudited Financial Information

 

 

 

CONDENSED, CONSOLIDATED FINANCIAL HIGHLIGHTS

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

 

    9 MONTHS ENDED    % 
   SEPTEMBER 30,   INCREASE 
   2015   2014   (DECREASE) 
EARNINGS PERFORMANCE               
Net Income  $12,406   $12,718    -2.45%
Return on Average Assets   1.32%   1.37%   -3.65%
Return on Average Equity   8.78%   9.18%   -4.36%
                
BALANCE SHEET HIGHLIGHTS               
Total Assets  $1,232,531   $1,256,533    -1.91%
Available-for-Sale Securities   461,713    508,253    -9.16%
Loans (Net)   672,449    621,960    8.12%
Allowance for Loan Losses   7,416    7,449    -0.44%
Deposits and Repo Sweep Accounts   966,856    988,294    -2.17%
                
OFF-BALANCE SHEET               
Outstanding Balance of Mortgage Loans Sold with Servicing Retained   152,275    150,695    1.05%
Trust Assets Under Management   790,215    812,376    -2.73%
                
SHAREHOLDERS' VALUE (PER COMMON SHARE)               
Net Income - Basic  $1.02   $1.02    0.00%
Net Income - Diluted  $1.01   $1.02    -0.98%
Dividends  $0.78   $0.78    0.00%
Common Book Value  $15.60   $15.14    3.04%
Tangible Common Book Value  $14.62   $14.17    3.18%
Market Value (Last Trade)  $19.52   $19.00    2.74%
Market Value / Common Book Value   125.13%   125.50%   -0.29%
Market Value / Tangible Common Book Value   133.52%   134.09%   -0.43%
Price Earnings Multiple (Annualized)   14.35    13.97    2.72%
Dividend Yield (Annualized)   5.33%   5.47%   -2.56%
Common Shares Outstanding, End of Period   12,187,033    12,339,120    -1.23%
                
SAFETY AND SOUNDNESS               
Tangible Common Equity / Tangible Assets   14.59%   14.05%   3.84%
Nonperforming Assets / Total Assets   1.28%   1.45%   -11.72%
Allowance for Loan Losses / Total Loans   1.09%   1.18%   -7.63%
Total Risk Based Capital Ratio (a)   24.63%   27.42%   -10.18%
Tier 1 Risk Based Capital Ratio (a)   23.47%   26.09%   -10.04%
Common Equity Tier 1 Risk Based Capital Ratio (a)   23.47%          
Leverage Ratio (a)   13.95%   13.78%   1.23%
                
AVERAGE BALANCES               
Average Assets  $1,249,156   $1,236,883    0.99%
Average Equity  $188,305   $184,699    1.95%

 

(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:                 
   Sept. 30,   June 30,   Mar. 31,   Dec. 31,   Sept. 30,   June 30,   Mar. 31, 
   2015   2015   2015   2014   2014   2014   2014 
Interest income  $11,134   $11,186   $11,163   $11,468   $11,572   $11,563   $11,406 
Interest expense   1,126    1,176    1,213    1,257    1,287    1,290    1,288 
Net interest income   10,008    10,010    9,950    10,211    10,285    10,273    10,118 
Provision (credit) for loan losses   302    221    3    123    218    446    (311)
Net interest income after provision (credit) for loan losses   9,706    9,789    9,947    10,088    10,067    9,827    10,429 
Other income   3,961    3,962    3,487    3,802    3,887    3,980    3,751 
Net gains on available-for-sale securities   79    932    74    210    760    103    31 
Loss on prepayment of borrowings   0    910    0    0    0    0    0 
Other expenses   8,117    7,964    8,464    8,250    9,036    8,347    8,524 
Income before income tax provision   5,629    5,809    5,044    5,850    5,678    5,563    5,687 
Income tax provision   1,395    1,452    1,229    1,482    1,411    1,400    1,399 
Net income  $4,234   $4,357   $3,815   $4,368   $4,267   $4,163   $4,288 
Net income per share – basic  $0.35   $0.36   $0.31   $0.35   $0.34   $0.33   $0.35 
Net income per share – diluted  $0.35   $0.36   $0.31   $0.35   $0.34   $0.33   $0.34 

 

QUARTERLY CONDENSED, CONSOLIDATED BALANCE SHEET INFORMATION

(In Thousands) (Unaudited)  As of:             
   Sept. 30,   June 30,   Dec. 31,   Sept. 30, 
   2015   2015   2014   2014 
ASSETS                    
Cash & Due from Banks  $32,221   $35,405   $36,047   $55,439 
Available-for-Sale Securities   461,713    497,111    516,807    508,253 
Loans Held for Sale   76    192    0    418 
Loans, Net   672,449    656,518    623,209    621,960 
Intangible Assets   11,978    11,983    11,994    12,003 
Other Assets   54,094    54,513    53,906    58,460 
TOTAL ASSETS  $1,232,531   $1,255,722   $1,241,963   $1,256,533 
                     
LIABILITIES                    
Deposits  $961,112   $978,449   $967,989   $981,529 
Repo Sweep Accounts   5,744    4,806    5,537    6,765 
Total Deposits and Repo Sweeps   966,856    983,255    973,526    988,294 
Borrowed Funds   67,342    77,916    73,060    73,131 
Other Liabilities   8,233    7,578    7,015    8,234 
TOTAL LIABILITIES   1,042,431    1,068,749    1,053,601    1,069,659 
                     
SHAREHOLDERS' EQUITY                    
Common Shareholders' Equity, Excluding Accumulated Other Comprehensive Income/ Loss   183,978    182,887    183,002    182,837 
Accumulated Other Comprehensive Income/ Loss:                    
Net Unrealized Gains/Losses on Available-for-sale Securities   6,116    4,077    5,281    3,940 
Defined Benefit Plans Adjustment, Net   6    9    79    97 
TOTAL SHAREHOLDERS' EQUITY   190,100    186,973    188,362    186,874 
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY  $1,232,531   $1,255,722   $1,241,963   $1,256,533 

 

 2 

 

 

AVAILABLE-FOR-SALE SECURITIES  September 30, 2015   June 30, 2015   December 31, 2014 
(In Thousands)  Amortized   Fair   Amortized   Fair   Amortized   Fair 
   Cost   Value   Cost   Value   Cost   Value 
                         
Obligations of U.S. Government agencies  $15,664   $15,621   $27,189   $26,871   $27,221   $26,676 
Obligations of states and political subdivisions:                              
Tax-exempt   108,115    112,396    115,908    119,749    120,086    124,839 
Taxable   34,464    35,124    34,872    35,135    33,637    33,878 
Mortgage-backed securities   71,681    72,697    76,323    76,790    82,479    83,903 
Collateralized mortgage obligations, Issued by U.S. Government agencies   216,981    218,052    231,148    230,794    239,620    238,823 
Other collateralized debt obligations   34    34    34    34    34    34 
Total debt securities   446,939    453,924    485,474    489,373    503,077    508,153 
Marketable equity securities   5,365    7,789    5,365    7,738    5,605    8,654 
Total  $452,304   $461,713   $490,839   $497,111   $508,682   $516,807 

 

Summary of Loans by Type                
(Excludes Loans Held for Sale)                
(In Thousands)  Sept. 30,   June 30,   Dec. 31,   Sept. 30,  
   2015   2015   2014   2014 
Residential mortgage:                
Residential mortgage loans - first liens  $298,096   $294,978   $291,882   $290,943 
Residential mortgage loans - junior liens   20,601    21,502    21,166    21,843 
Home equity lines of credit   39,572    39,140    36,629    35,975 
1-4 Family residential construction   23,633    19,651    16,739    16,895 
Total residential mortgage   381,902    375,271    366,416    365,656 
Commercial:                    
Commercial loans secured by real estate   135,760    135,063    145,878    144,410 
Commercial and industrial   72,011    61,427    50,157    50,615 
Political subdivisions   40,186    40,908    17,534    14,823 
Commercial construction and land   6,852    7,826    6,938    9,069 
Loans secured by farmland   7,521    7,565    7,916    8,542 
Multi-family (5 or more) residential   8,194    8,561    8,917    9,092 
Agricultural loans   4,588    4,287    3,221    3,284 
Other commercial loans   12,691    12,809    13,334    13,620 
Total commercial   287,803    278,446    253,895    253,455 
Consumer   10,160    10,101    10,234    10,298 
Total   679,865    663,818    630,545    629,409 
Less: allowance for loan losses   (7,416)   (7,300)   (7,336)   (7,449)
Loans, net  $672,449   $656,518   $623,209   $621,960 

 

Loans Held for Sale                
(In Thousands)  Sept. 30,    June 30,    Dec. 31,   Sept. 30, 
   2015   2015   2014   2014 
Residential mortgage loans originated and serviced - outstanding balance  $152,351   $151,324   $152,505   $151,113 
Less: outstanding balance of loans sold   (152,275)   (151,132)   (152,505)   (150,695)
Loans held for sale, net  $76   $192   $0   $418 

 

 3 

 

 

ANALYSIS OF THE ALLOWANCE FOR LOAN LOSSES

(In Thousands)

   3 Months   3 Months   9 Months   9 Months 
   Ended   Ended   Ended   Ended 
   Sept. 30,   June 30,   Sept. 30,   Sept. 30, 
   2015    2015    2015    2014  
Balance, beginning of period  $7,300   $7,134   $7,336   $8,663 
Charge-offs   (197)   (77)   (496)   (1,881)
Recoveries   11    22    50    314 
Net charge-offs   (186)   (55)   (446)   (1,567)
Provision for loan losses   302    221    526    353 
Balance, end of period  $7,416   $7,300   $7,416   $7,449 

 

PAST DUE AND IMPAIRED LOANS, NONPERFORMING ASSETS

AND TROUBLED DEBT RESTRUCTURINGS (TDRs)

(In Thousands)

   Sept. 30,   June 30,   Dec 31,   Sept. 30, 
   2015    2015    2014    2014  
Impaired loans with a valuation allowance  $1,963   $3,880   $3,241   $4,059 
Impaired loans without a valuation allowance   7,812    7,764    9,075    10,035 
Total impaired loans  $9,775   $11,644   $12,316   $14,094 
                     
Total loans past due 30-89 days and still accruing  $4,780   $3,803   $7,121   $5,458 
                     
Nonperforming assets:                    
Total nonaccrual loans  $11,632   $12,060   $12,610   $13,722 
Total loans past due 90 days or more and still accruing   2,833    2,529    2,843    2,602 
Total nonperforming loans   14,465    14,589    15,453    16,324 
Foreclosed assets held for sale (real estate)   1,363    1,223    1,189    1,888 
Total nonperforming assets  $15,828   $15,812   $16,642   $18,212 
                     
Loans subject to troubled debt restructurings (TDRs):                    
Performing  $1,043   $1,119   $1,807   $1,834 
Nonperforming   5,182    5,216    5,388    6,172 
Total TDRs  $6,225   $6,335   $7,195   $8,006 
                     
Total nonperforming loans as a % of loans   2.13%   2.20%   2.45%   2.59%
Total nonperforming assets as a % of assets   1.28%   1.26%   1.34%   1.45%
Allowance for loan losses as a % of total loans   1.09%   1.10%   1.16%   1.18%
Allowance for loan losses as a % of nonperforming loans   51.27%   50.04%   47.47%   45.63%

 

 4 

 

 

Analysis of Average Daily Balances and Annualized Rates

(Dollars in Thousands)

   3 Months   Annualized   3 Months   Annualized   3 Months   Annualized 
   Ended   Rate of   Ended   Rate of   Ended   Rate of 
   9/30/2015   Return/   6/30/2015   Return/   9/30/2014   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  $361,481    2.02%  $389,705    2.06%  $381,833    2.16%
Tax-exempt   111,735    5.14%   116,421    5.33%   123,949    5.22%
Total available-for-sale securities   473,216    2.75%   506,126    2.81%   505,782    2.91%
Interest-bearing due from banks   19,774    0.46%   21,970    0.46%   35,133    0.37%
Loans held for sale   245    8.10%   145    8.30%   263    7.54%
Loans receivable:                              
Taxable   610,516    5.10%   592,188    5.25%   587,799    5.43%
Tax-exempt   63,219    4.50%   49,026    4.88%   38,537    5.48%
Total loans receivable   673,735    5.05%   641,214    5.22%   626,336    5.43%
Total Earning Assets   1,166,970    4.04%   1,169,455    4.09%   1,167,514    4.19%
Cash   16,961         17,072         17,361      
Unrealized gain/loss on securities   7,015         10,260         7,810      
Allowance for loan losses   (7,376)        (7,226)        (7,332)     
Bank premises and equipment   15,808         16,095         16,581      
Intangible Asset - Core Deposit Intangible   38         44         64      
Intangible Asset - Goodwill   11,942         11,942         11,942      
Other assets   38,294         38,065         40,201      
Total Assets  $1,249,652        $1,255,707        $1,254,141      
                               
INTEREST-BEARING LIABILITIES                              
Interest-bearing deposits:                              
Interest checking  $197,189    0.11%  $199,373    0.11%  $186,034    0.12%
Money market   202,106    0.15%   196,537    0.15%   202,536    0.14%
Savings   128,939    0.10%   128,879    0.10%   123,447    0.10%
Certificates of deposit   125,886    0.66%   122,634    0.67%   137,136    0.76%
Individual Retirement Accounts   109,661    0.41%   111,765    0.41%   120,079    0.40%
Other time deposits   1,514    0.26%   1,125    0.00%   1,525    0.00%
Total interest-bearing deposits   765,295    0.25%   760,313    0.25%   770,757    0.28%
Borrowed funds:                              
Short-term   12,972    0.28%   9,185    0.22%   5,325    0.07%
Long-term   62,876    3.98%   69,211    4.01%   73,162    4.03%
Total borrowed funds   75,848    3.34%   78,396    3.57%   78,487    3.76%
Total Interest-bearing Liabilities   841,143    0.53%   838,709    0.56%   849,244    0.60%
Demand deposits   212,022         220,839         208,773      
Other liabilities   8,803         7,756         10,975      
Total Liabilities   1,061,968         1,067,304         1,068,992      
Stockholders' equity, excluding other comprehensive income/loss   183,116         181,683         180,042      
Other comprehensive income/loss   4,568         6,720         5,107      
Total Stockholders' Equity   187,684         188,403         185,149      
Total Liabilities and Stockholders' Equity  $1,249,652        $1,255,707        $1,254,141      
Interest Rate Spread        3.51%        3.53%        3.59%
Net Interest Income/Earning Assets        3.66%        3.69%        3.75%
                               
Total Deposits (Interest-bearing and Demand)  $977,317        $981,152        $979,530      

 

(1) Annualized 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 Annualized Rates

(Dollars in Thousands)

   9 Months   Annualized   9 Months   Annualized 
   Ended   Rate of   Ended   Rate of 
   9/30/2015   Return/   9/30/2014   Return/ 
   Average   Cost of   Average   Cost of 
   Balance   Funds %   Balance   Funds % 
EARNING ASSETS                    
Available-for-sale securities, at amortized cost:                    
Taxable  $379,666    2.08%  $366,853    2.18%
Tax-exempt   115,255    5.27%   124,508    5.34%
Total available-for-sale securities   494,921    2.82%   491,361    2.98%
Interest-bearing due from banks   22,886    0.43%   32,798    0.39%
Loans held for sale   160    8.36%   222    7.83%
Loans receivable:                    
Taxable   595,170    5.24%   589,607    5.47%
Tax-exempt   51,468    4.80%   38,203    5.64%
Total loans receivable   646,638    5.20%   627,810    5.48%
Total Earning Assets   1,164,605    4.10%   1,152,191    4.27%
Cash   16,723         17,052      
Unrealized gain/loss on securities   9,287         5,719      
Allowance for loan losses   (7,331)        (8,166)     
Bank premises and equipment   16,050         16,915      
Intangible Asset - Core Deposit Intangible   44         74      
Intangible Asset - Goodwill   11,942         11,942      
Other assets   37,836         41,156      
Total Assets  $1,249,156        $1,236,883      
                     
INTEREST-BEARING LIABILITIES                    
Interest-bearing deposits:                    
Interest checking  $196,109    0.11%  $181,580    0.12%
Money market   197,852    0.15%   198,987    0.14%
Savings   128,561    0.10%   121,257    0.10%
Certificates of deposit   123,523    0.68%   136,748    0.81%
Individual Retirement Accounts   111,729    0.41%   121,143    0.39%
Other time deposits   1,150    0.12%   1,161    0.00%
Total interest-bearing deposits   758,924    0.26%   760,876    0.29%
Borrowed funds:                    
Short-term   9,417    0.21%   6,696    0.14%
Long-term   68,332    4.01%   73,231    4.03%
Total borrowed funds   77,749    3.55%   79,927    3.71%
Total Interest-bearing Liabilities   836,673    0.56%   840,803    0.61%
Demand deposits   215,949         202,336      
Other liabilities   8,229         9,045      
Total Liabilities   1,060,851         1,052,184      
Stockholders' equity, excluding other comprehensive income/loss   182,252         180,912      
Other comprehensive income/loss   6,053         3,787      
Total Stockholders' Equity   188,305         184,699      
Total Liabilities and Stockholders' Equity  $1,249,156        $1,236,883      
Interest Rate Spread        3.54%        3.66%
Net Interest Income/Earning Assets        3.69%        3.82%
                     
Total Deposits (Interest-bearing and Demand)  $974,873        $963,212      

 

(1) Annualized 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   Nine Months Ended 
   Sept. 30,   June 30,   Sept. 30,   Sept. 30,   Sept. 30, 
   2015   2015   2014   2015   2014 
Service charges on deposit accounts  $1,302   $1,305   $1,275   $3,629   $3,812 
Service charges and fees   137    123    144    373    405 
Trust and financial management revenue   1,123    1,241    1,140    3,478    3,325 
Brokerage revenue   215    206    213    640    682 
Insurance commissions, fees and premiums   24    23    44    87    103 
Interchange revenue from debit card transactions   482    500    504    1,456    1,474 
Net gains from sales of loans   243    183    141    573    557 
Increase (decrease) in fair value of servicing rights   13    (33)   (17)   (137)   35 
Increase in cash surrender value of life insurance   95    102    99    294    278 
Net (loss) gain from premises and equipment   (1)   0    9    (1)   8 
Other operating income   328    312    335    1,018    939 
Total other operating income, before realized gains on available-for-sale securities, net  $3,961   $3,962   $3,887   $11,410   $11,618 

 

COMPARISON OF NONINTEREST EXPENSE                    
(In Thousands)  Three Months Ended   Nine Months Ended 
   Sept. 30,   June 30,   Sept. 30,   Sept. 30,   Sept. 30, 
   2015   2015   2014   2015   2014 
Salaries and wages  $3,744   $3,603   $4,348   $10,834   $11,559 
Pensions and other employee benefits   1,016    935    1,091    3,336    3,563 
Occupancy expense, net   623    640    646    1,985    2,002 
Furniture and equipment expense   477    467    461    1,398    1,399 
FDIC Assessments   155    148    151    454    444 
Pennsylvania shares tax   311    317    336    877    1,014 
Professional fees   128    113    135    363    427 
Automated teller machine and interchange expense   234    255    239    735    668 
Software subscriptions   209    211    184    617    575 
Other operating expense   1,220    1,275    1,445    3,946    4,256 
Total noninterest expense, before loss on prepayment of borrowings   8,117    7,964    9,036    24,545    25,907 
Loss on prepayment of borrowings   0    910    0    910    0 
Total noninterest expense  $8,117   $8,874   $9,036   $25,455   $25,907 

 

 7 

 

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