0001144204-16-075400.txt : 20160113 0001144204-16-075400.hdr.sgml : 20160113 20160113120549 ACCESSION NUMBER: 0001144204-16-075400 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 8 CONFORMED PERIOD OF REPORT: 20160113 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20160113 DATE AS OF CHANGE: 20160113 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: 161340317 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 v428905_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) January 13, 2016

 

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-months and year ended December 31, 2015. On January 13, 2016, Citizens & Northern Corporation issued a press release titled “C&N Announces Fourth 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 January 20, 2016. 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 January 13, 2016, titled “C&N Announces Fourth Quarter 2015 Unaudited Financial Results.”

 

Exhibit 99.2: Unaudited financial information included in “banCNotes” report to be mailed to shareholders on or about January 20, 2016.

 

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:  1/13/16 By: /s/ Mark A. Hughes
    Treasurer and Chief Financial Officer

 

2 

 EX-99.1 2 v428905_ex99-1.htm EXHIBIT 99.1

 

Exhibit 99.1

 

 

  Contact:  Charity Frantz
January 13, 2016 570-724-0225
  charityf@cnbankpa.com

 

C&N Announces FOURTH 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 annual periods ended December 31, 2015.

 

Net income in the fourth quarter 2015 was $0.33 per diluted share, as compared to $0.35 per diluted share in the third quarter 2015 and the fourth quarter 2014. For the year ended December 31, 2015, net income per diluted share was $1.35 as compared to $1.38 in 2014. The return on average assets for the 2015 was 1.32%, and the return on average equity was 8.72%.

 

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

 

·Net interest income of $9,949,000 in the fourth quarter 2015 was down slightly from $10,008,000 in the third quarter 2015 and down $262,000 (2.6%) from the fourth quarter 2014 amount. On an annual basis, 2015 net interest income of $39,917,000 was down $970,000 (2.4%) from 2014. The net interest margin improved slightly to 3.69% in the fourth quarter 2015 as compared to 3.66% in the third quarter 2015, and was slightly lower than the 3.73% margin in the fourth quarter 2014. The reduction in net interest income in the most recent quarter reflected a reduction in earning assets, as the Pennsylvania state budget impasse led to reduced deposit balances held by municipal entities such as school districts, local governments and human service agencies. The reduction in municipal deposits led to average total deposits being $28.9 million (3.0%) lower in the fourth quarter 2015 than in the previous quarter and $23.6 million (2.4%) lower than the fourth quarter 2014 amount. In part due to lower deposit funding, the average balance of available-for-sale securities was $40.9 million lower in the fourth quarter 2015 as compared to the third quarter 2015. For the year ended December 31, 2015, the net interest margin of 3.69% was down from 3.80% in 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 $319,000 in the fourth quarter 2015, up slightly from $302,000 in the third quarter 2015 and up from $123,000 in the fourth quarter 2014. For the year ended December 31, 2015, the provision for loan losses totaled $845,000, up from $476,000 for 2014. The higher provision for loan losses in the fourth quarter and year for 2015 reflects an increase in loans outstanding, which resulted in an increase in the collectively determined portion of the allowance for loan losses.

 

·Total noninterest revenue of $3,994,000 in the fourth quarter 2015 was up slightly from the third quarter 2015 amount of $3,961,000, and up $192,000 (5.0%) from the fourth quarter 2014 amount. Noninterest revenue totaled $15,404,000 for year ended December 31, 2015, down slightly from $15,420,000 in 2014. C&N recognized a gain of $212,000 in the fourth quarter 2015 from a life insurance arrangement in which benefits were split between the Company and the heirs of a former employee. Also within noninterest revenue, gains from sales of residential mortgages and service charges on deposit accounts were lower in the fourth quarter 2015 as compared to the third quarter 2015. The most significant changes in components of noninterest revenue for the year ended December 31, 2015 as compared to the corresponding period in 2014 included the following: (1) decrease of $161,000 (3.2%) in service charges on deposit accounts, primarily as a result of lower overdraft fees; (2) reduction of $135,000 as the fair value of servicing rights declined $162,000 in 2015 as compared to $27,000 in 2014; (3) net increase in revenues from Trust and brokerage services of $74,000 (1.4%); and (4) an increase in other operating income of $315,000, including the fourth quarter 2015 life insurance-related gain previously described, an increase of $36,000 in dividends from Federal Home Loan Bank of Pittsburgh stock and an increase of $28,000 in revenue from merchant services.

 

1 

 

 

·In the fourth quarter 2015, C&N had realized gains from securities of $1,776,000 and recognized a loss from prepayment of a borrowing of $1,663,000. In comparison, realized gains from securities totaled $79,000 in the third quarter 2015 and $210,000 in the fourth quarter 2014. The borrowing that was paid off in the fourth quarter 2015 was a $24 million repurchase agreement with a maturity date of December 20, 2017 and an interest rate of 4.265%. C&N opted to prepay the borrowing and has funded the prepayment with a series of short-term borrowings at an average rate of 0.86%. C&N sold a significant portion of its investments in stocks of banks and bank holding companies in the fourth quarter 2015, generating realized gains totaling $1,744,000. Management has estimated the combined result of the debt prepayment and reinvestment of proceeds from sales of the stocks will make a positive contribution in 2016 to fully taxable net interest income of approximately $524,000. For the year ended December 31, 2015, realized gains from available-for-sale securities totaled $2,861,000 and losses from prepayment of borrowings totaled $2,573,000; in comparison, in 2014, realized gains from securities totaled $1,104,000 and there were no losses from prepayment of borrowings.

 

·Noninterest expenses, excluding loss on prepayment of borrowings, totaled $8,411,000 in the fourth quarter 2015, up from $8,117,000 in the third quarter 2015 and $8,250,000 in the fourth quarter 2014. For the year ended December 31, 2015, noninterest expenses, excluding loss on prepayment of borrowings, totaled $32,956,000, down $1,201,000 (3.5%) from 2014. Salaries and wages expense increased $104,000, and pensions and other employee benefits expense increased $68,000, in the fourth quarter 2015 as compared to the third quarter 2015 amounts. The increase in the most recent quarter in salaries and wages reflected the inclusion for the full quarter of a few personnel additions in the second half of the year, 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. Other increases in noninterest expense in the fourth quarter 2015 as compared to the prior quarter include an increase in professional fees of $47,000, mainly from outsourced loan review expense, an increase in software subscriptions of $50,000 resulting from a catch-up adjustments on billings from a computer services vendor and an increase in other operating expense of $75,000, which included the effect of a $69,000 sales tax refund that had reduced expenses in the third quarter. The increase in noninterest expenses in the fourth quarter 2015 as compared to the fourth quarter 2014 included an increase in salaries and wages of $286,000 due to the addition of new personnel, including the CEO and additional lending staff. Pensions and other employee benefits expense was $122,000 lower in the fourth quarter 2015 as compared to the fourth quarter 2014 reflecting a pension charge for a partial plan settlement in 2014. Other operating expense was $128,000 higher in the fourth quarter 2015 than in the same period in 2014, reflecting increased expenses associated with employee training and development. The reduction in noninterest expenses for the year ended December 31, 2015 as compared to the corresponding period in 2014 included the following: (1) a reduction in salaries and wages expenses of $439,000, mainly due to severance expenses in 2014; (2) a reduction in employee benefit-related expenses of $349,000 due to lower employee health insurance expense as a result of lower claims; (3) a reduction in Pennsylvania shares tax expense of $176,000, mainly as a result of an increase in tax credits; (4) a reduction in professional fees expense of $161,000, as 2014 included expenses associated with an executive search; and (5) a reduction in other expenses of $182,000, including reductions in expenses from loan collection, other real estate properties and attorneys’ fees.

 

2 

 

 

Other Information:

Changes in other unaudited financial information are as follows:

 

·Total assets amounted to $1,223,417,000 at December 31, 2015, as compared to $1,232,531,000 at September 30, 2015 and $1,241,963,000 at December 31, 2014.

 

·Net loans outstanding (excluding mortgage loans held for sale) were $696,991,000 at December 31, 2015, up from $672,449,000 at September 30, 2015 and up 11.8% from $623,209,000 at December 31, 2014. In comparing outstanding balances at December 31, 2015 and 2014, total residential mortgage loans increased $19.7 million, or 5.4%, and total commercial loans increased $54.2 million, or 21.4%. The major components of the growth in commercial loans outstanding were an increase in loan participations with other financial entities of $28.1 million and an increase in loans to political subdivisions (municipal loans) of $22.5 million. In 2015, average total loans for the year amounted to $657,727,000 or $30.0 million (4.8%) more than the corresponding amount for 2014.

 

·The outstanding balance of residential mortgages originated by C&N and sold to third parties, with servicing retained, totaled $152,448,000 at December 31, 2015 as compared to $152,275,000 at September 30, 2015 and $152,505,000 at December 31, 2014.

 

·Total nonperforming assets as a percentage of assets was 1.31% at December 31, 2015 as compared to 1.28% at September 30, 2015 and 1.34% at December 31, 2014.

 

·Deposits and repo sweep accounts totaled $940,530,000 at December 31, 2015, down from $966,856,000 at September 30, 2015 and $973,526,000 at December 31, 2014. As noted above, municipal deposits were down significantly in the fourth quarter 2015 as a result of the Pennsylvania state budget impasse and related delays in funding municipal entities.

 

·Total shareholders’ equity was $187,487,000 at December 31, 2015 as compared to $190,100,000 at September 30, 2015 and $188,362,000 at December 31, 2014. Tangible common equity as a percentage of tangible assets was 14.49% at December 31, 2015, up from 14.34% 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 fourth quarter 2015, 23,800 shares were repurchased for a total cost of $471,000, at an average price of $19.79 per share. Cumulatively through December 31, 2015, 435,200 shares had been repurchased for a total cost of $8,417,000, at an average price of $19.34 per share.

 

·Assets under management by C&N’s Trust and Financial Management Group amounted to $814,788,000 at December 31, 2015, down 1.4% from a year earlier, reflecting the effect of a decrease in overall valuations of U.S. stocks.

 

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 v428905_ex99-2.htm EXHIBIT 99.2

 

EXHIBIT 99.2

 

 

December 31, 2015 QUARTERLY REPORT  

 

Dear Shareholder:

 

“Creating Value Through Lifelong Relationships" is the Vision that has driven our efforts for more than 150 years, and continues to be the rallying call across the organization. Your Team is fully engaged in building on a very strong foundation to grow the franchise, consistent with this Vision, and to continue delivering long-term value to our Shareholders. During the fourth quarter of 2015, we maintained momentum in building customer relationships with loan growth totaling $25 million, which included increases in commercial, mortgage, and consumer categories. Each new loan involves a customer relationship that can be enhanced by the value delivered through our team of professional bankers and wealth managers. To reinforce this focus and further energize the Team, we had a kick-off event that engaged the entire Team in building a culture that aligns with our Vision.

 

We also completed work on a new website which will be rolled out by the end of January. This site provides new capabilities and will serve as the foundation for enhancing on-line services moving forward that will simplify and provide greater access to our customers. More to come throughout 2016 on this front.

 

I am very proud of our Team's commitment to engaging in our communities, as well. The results of our "Giving Back, Giving Together" initiative for 2015 to support the local food banks throughout our markets are described in the “Commitment to Community” article included in this edition of banCNotes. We produced amazing results and we will be working to support first responders in a similar fashion during 2016.

 

While we continue to invest in our people, future capacity, and communities, we also produced solid financial performance. Earnings per share were $.33 for the fourth quarter of 2015 as compared to $.35 in the third quarter of 2015 and the fourth quarter of 2014. For the year ended December 31, 2015, diluted earnings per share was $1.35 as compared to $1.38 in 2014. Return on average assets for 2015 was 1.32% and return on average equity was 8.72%.

 

Net interest income decreased slightly during the quarter due to a reduction in earning assets. This decline was primarily driven by lower municipal deposits resulting from the Pennsylvania state budget impasse, with an offsetting reduction in investment securities. The net interest margin during the fourth quarter was 3.69% as compared to 3.66% during the third quarter of 2015 and 3.73% in the fourth quarter of 2014. The Federal Reserve raised its target federal funds rate during December for the first time in nearly ten years. This change had virtually no impact on fourth quarter net interest income, and any significant impact on 2016 results will depend on additional Fed action to increase rates and any changes to the shape of the yield curve.

 

In the fourth quarter we continued efforts to support the future net interest margin by realizing gains on the sale of bank and bank holding company stocks totaling $1,744,000, and recognizing losses from prepayment of a borrowing of $1,663,000. We estimate that the combined impact of the debt prepayment and reinvestment of the proceeds from the stock sales will increase the fully taxable equivalent net interest margin by approximately $524,000 during 2016.

 

1 

 

 

The provision for loan losses was $319,000 during the fourth quarter, as compared to $302,000 during the third quarter of 2015. For the year ended December 31, 2015 the provision totaled $845,000 up from $476,000 in 2014, reflecting additions to the allowance for loan losses to support strong loan growth during the quarter and for the year. Credit quality remains strong as reflected by stable past due and non-performing loan metrics at December 31, 2015 compared to a year earlier.

 

Noninterest income, excluding securities gains increased during the fourth quarter of 2015 to $3.99 million as compared to $3.96 million in the third quarter and $3.80 million during the fourth quarter of 2014. For all of 2015, noninterest income was $15.4 million, essentially unchanged from 2014.

 

Noninterest expenses, excluding loss on prepayment of borrowings, totaled $8.4 million in the fourth quarter 2015 up from $8.1 million in the third quarter and $8.25 million in the fourth quarter 2014. For the year ended December 31, 2015, noninterest expenses, excluding loss on prepayment of borrowings, were $32.96 million, down $1.2 million, or 3.5%, from 2014.

 

Total assets and deposits declined modestly during the fourth quarter of 2015 compared to the prior quarter and year ended December 31, 2014. Total loans grew by $25 million during the fourth quarter and have increased by nearly $74 million since year end 2014.

 

C&N remains in a very strong capital position by all measures. The cash dividend paid during the fourth quarter was $.26 per share, resulting in a total payment of $1.04 for 2015. This total produced a yield of 4.95% based on the December 31, 2015 market price of $21.00.

 

We appreciate your support of C&N as both shareholders and customers and are committed to creating value through both of these relationships.

 

 

J. Bradley Scovill

President and CEO

 

2 

 

 

CONDENSED, CONSOLIDATED EARNINGS INFORMATION

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

 

   4TH   4TH         
   QUARTER   QUARTER         
   2015   2014         
   (Current)   (Prior Year)   $ Incr. (Decr.)   % Incr. (Decr.) 
Interest and Dividend Income  $11,036   $11,468   $(432)   -3.77%
Interest Expense   1,087    1,257    (170)   -13.52%
Net Interest Income   9,949    10,211    (262)   -2.57%
Provision for Loan Losses   319    123    196    159.35%
Net Interest Income After Provision for Loan Losses   9,630    10,088    (458)   -4.54%
Other Income   3,994    3,802    192    5.05%
Net Gains on Available-for-sale Securities   1,776    210    1,566    745.71%
Loss on Prepayment of Borrowings   1,663    0    1,663      
Other Noninterest Expenses   8,411    8,250    161    1.95%
Income Before Income Tax Provision   5,326    5,850    (524)   -8.96%
Income Tax Provision   1,261    1,482    (221)   -14.91%
Net Income  $4,065   $4,368   $(303)   -6.94%
                     
PER COMMON SHARE DATA:                    
Net Income – Basic  $0.33   $0.36   $(0.03)   -8.33%
Net Income – Diluted  $0.33   $0.35   $(0.02)   -5.71%
Dividend Per Share  $0.26   $0.26   $0.00    0.00%
Number Shares Used in Computation - Basic   12,180,435    12,302,646           
Number Shares Used in Computation - Diluted   12,203,951    12,325,409           

 

CONDENSED, CONSOLIDATED EARNINGS INFORMATION

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

 

   YEARS ENDED         
   DECEMBER 31,         
   2015   2014         
   (Current)   (Prior Year)   $ Incr. (Decr.)   % Incr. (Decr.) 
Interest and Dividend Income  $44,519   $46,009   $(1,490)   -3.24%
Interest Expense   4,602    5,122    (520)   -10.15%
Net Interest Income   39,917    40,887    (970)   -2.37%
Provision for Loan Losses   845    476    369    77.52%
Net Interest Income After Provision for Loan Losses   39,072    40,411    (1,339)   -3.31%
Other Income   15,404    15,420    (16)   -0.10%
Net Gains on Available-for-sale Securities   2,861    1,104    1,757    159.15%
Loss on Prepayment of Borrowings   2,573    0    2,573      
Other Noninterest Expenses   32,956    34,157    (1,201)   -3.52%
Income Before Income Tax Provision   21,808    22,778    (970)   -4.26%
Income Tax Provision   5,337    5,692    (355)   -6.24%
Net Income  $16,471   $17,086   $(615)   -3.60%
                     
PER COMMON SHARE DATA:                    
Net Income – Basic  $1.35   $1.38   $(0.03)   -2.17%
Net Income – Diluted  $1.35   $1.38   $(0.03)   -2.17%
Dividend Per Share  $1.04   $1.04   $0.00    0.00%
Number Shares Used in Computation - Basic   12,211,941    12,390,067           
Number Shares Used in Computation - Diluted   12,233,773    12,412,050           
Market Value (Last Trade)  $21.00   $20.67   $0.33    1.60%
Price Earnings Multiple (Annualized)   15.56    14.98    0.58    3.87%
Dividend Yield (Annualized)   4.95%   5.03%   -0.08%   -1.59%

 

3 

 

 

CONDENSED, CONSOLIDATED BALANCE SHEET DATA

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

 

   DEC. 31,   DEC. 31,   DEC. 31, 2015 vs 2014 
   2015   2014   $ Incr. (Decr.)   % Incr. (Decr.) 
ASSETS                    
Cash & Due from Banks  $36,061   $36,047   $14    0.04%
Available-for-sale Securities   420,290    516,807    (96,517)   -18.68%
Loans Held for Sale   280    0    280      
Loans, Net   696,991    623,209    73,782    11.84%
Intangible Assets   11,972    11,994    (22)   -0.18%
Other Assets   57,823    53,906    3,917    7.27%
TOTAL ASSETS  $1,223,417   $1,241,963   $(18,546)   -1.49%
                     
LIABILITIES                    
Deposits  $935,615   $967,989   $(32,374)   -3.34%
Repo Sweep Accounts   4,915    5,537    (622)   -11.23%
     Total Deposits and Repo Sweeps   940,530    973,526    (32,996)   -3.39%
Borrowed Funds   87,348    73,060    14,288    19.56%
Other Liabilities   8,052    7,015    1,037    14.78%
TOTAL LIABILITIES   1,035,930    1,053,601    (17,671)   -1.68%
                     
SHAREHOLDERS' EQUITY                    
Common Shareholders' Equity, Excluding Accumulated                    
  Other Comprehensive Income   184,959    183,002    1,957    1.07%
Accumulated Other Comprehensive Income:                    
  Net Unrealized Gains/Losses on                    
    Available-for-sale Securities   2,493    5,281    (2,788)   -52.79%
  Defined Benefit Plans   35    79    (44)   -55.70%
TOTAL SHAREHOLDERS' EQUITY   187,487    188,362    (875)   -0.46%
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY  $1,223,417   $1,241,963   $(18,546)   -1.49%

 

 4 

 

 EX-99.3 4 v428905_ex99-3.htm EXHIBIT 99.3

 

EXHIBIT 99.3 – Supplemental, Unaudited Financial Information

 

 

 

CONDENSED, CONSOLIDATED FINANCIAL HIGHLIGHTS

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

 

   YEARS ENDED   % 
   DECEMBER 31,   INCREASE 
   2015   2014   (DECREASE) 
EARNINGS PERFORMANCE               
Net Income  $16,471   $17,086    -3.60%
Return on Average Assets   1.32%   1.38%   -4.35%
Return on Average Equity   8.72%   9.21%   -5.32%
                
BALANCE SHEET HIGHLIGHTS               
Total Assets  $1,223,417   $1,241,963    -1.49%
Available-for-Sale Securities   420,290    516,807    -18.68%
Loans (Net)   696,991    623,209    11.84%
Allowance for Loan Losses   7,889    7,336    7.54%
Deposits and Repo Sweep Accounts   940,530    973,526    -3.39%
                
OFF-BALANCE SHEET               
Outstanding Balance of Mortgage Loans Sold with Servicing Retained   152,448    152,505    -0.04%
Trust Assets Under Management   814,788    825,918    -1.35%
                
SHAREHOLDERS' VALUE               
    (PER COMMON SHARE)               
Net Income - Basic  $1.35   $1.38    -2.17%
Net Income - Diluted  $1.35   $1.38    -2.17%
Dividends  $1.04   $1.04    0.00%
Common Book Value  $15.39   $15.34    0.33%
Tangible Common Book Value  $14.41   $14.36    0.35%
Market Value (Last Trade)  $21.00   $20.67    1.60%
Market Value /  Common Book Value   136.45%   134.75%   1.26%
Market Value /  Tangible Common Book Value   145.73%   143.94%   1.24%
Price Earnings Multiple (Annualized)   15.56    14.98    3.87%
Dividend Yield (Annualized)   4.95%   5.03%   -1.59%
Common Shares Outstanding, End of Period   12,180,623    12,279,980    -0.81%
                
SAFETY AND SOUNDNESS               
Tangible Common Equity / Tangible Assets   14.49%   14.34%   1.05%
Nonperforming Assets / Total Assets   1.31%   1.34%   -2.24%
Allowance for Loan Losses / Total Loans   1.12%   1.16%   -3.45%
Total Risk Based Capital Ratio (a)   24.45%   27.60%   -11.41%
Tier 1 Risk Based Capital Ratio (a)   23.40%   26.26%   -10.89%
Common Equity Tier 1 Risk Based Capital Ratio (a)   23.40%          
Leverage Ratio (a)   14.31%   13.89%   3.02%
                
AVERAGE BALANCES               
Average Assets  $1,243,209   $1,239,897    0.27%
Average Equity  $188,905   $185,469    1.85%

 

(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:                     
   Dec. 31,   Sept. 30,   June 30,   Mar. 31,   Dec. 31,   Sept. 30,   June 30,   Mar. 31, 
   2015   2015   2015   2015   2014   2014   2014   2014 
Interest income  $11,036   $11,134   $11,186   $11,163   $11,468   $11,572   $11,563   $11,406 
Interest expense   1,087    1,126    1,176    1,213    1,257    1,287    1,290    1,288 
Net interest income   9,949    10,008    10,010    9,950    10,211    10,285    10,273    10,118 
Provision (credit) for loan losses   319    302    221    3    123    218    446    (311)
Net interest income after provision (credit)                                        
  for loan losses   9,630    9,706    9,789    9,947    10,088    10,067    9,827    10,429 
Other income   3,994    3,961    3,962    3,487    3,802    3,887    3,980    3,751 
Net gains on available-for-sale securities   1,776    79    932    74    210    760    103    31 
Loss on prepayment of borrowings   1,663    0    910    0    0    0    0    0 
Other expenses   8,411    8,117    7,964    8,464    8,250    9,036    8,347    8,524 
Income before income tax provision   5,326    5,629    5,809    5,044    5,850    5,678    5,563    5,687 
Income tax provision   1,261    1,395    1,452    1,229    1,482    1,411    1,400    1,399 
Net income  $4,065   $4,234   $4,357   $3,815   $4,368   $4,267   $4,163   $4,288 
Net income per share – basic  $0.33   $0.35   $0.36   $0.31   $0.36   $0.34   $0.33   $0.35 
Net income per share – diluted  $0.33   $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:         
   Dec. 31,   Sept. 30,   Dec. 31, 
   2015   2015   2014 
ASSETS               
Cash & Due from Banks  $36,061   $32,221   $36,047 
Available-for-Sale Securities   420,290    461,713    516,807 
Loans Held for Sale   280    76    0 
Loans, Net   696,991    672,449    623,209 
Intangible Assets   11,972    11,978    11,994 
Other Assets   57,823    54,094    53,906 
TOTAL ASSETS  $1,223,417   $1,232,531   $1,241,963 
                
LIABILITIES               
Deposits  $935,615   $961,112   $967,989 
Repo Sweep Accounts   4,915    5,744    5,537 
     Total Deposits and Repo Sweeps   940,530    966,856    973,526 
Borrowed Funds   87,348    67,342    73,060 
Other Liabilities   8,052    8,233    7,015 
TOTAL LIABILITIES   1,035,930    1,042,431    1,053,601 
                
SHAREHOLDERS' EQUITY               
Common Shareholders' Equity, Excluding               
  Accumulated Other Comprehensive Income/ Loss   184,959    183,978    183,002 
Accumulated Other Comprehensive Income/ Loss:               
  Net Unrealized Gains/Losses on               
     Available-for-sale Securities   2,493    6,116    5,281 
  Defined Benefit Plans Adjustment, Net   35    6    79 
TOTAL SHAREHOLDERS' EQUITY   187,487    190,100    188,362 
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY  $1,223,417   $1,232,531   $1,241,963 

 

 2 

 

 

AVAILABLE-FOR-SALE SECURITIES

(In Thousands)

 

   December 31, 2015   September 30, 2015   December 31, 2014 
   Amortized   Fair   Amortized   Fair   Amortized   Fair 
   Cost   Value   Cost   Value   Cost   Value 
                         
Obligations of U.S. Government agencies  $10,663   $10,483   $15,664   $15,621   $27,221   $26,676 
Obligations of states and political subdivisions:                              
     Tax-exempt   103,414    107,757    108,115    112,396    120,086    124,839 
     Taxable   34,317    34,597    34,464    35,124    33,637    33,878 
Mortgage-backed securities   73,227    73,343    71,681    72,697    82,479    83,903 
Collateralized mortgage obligations,                              
     Issued by U.S. Government agencies   193,145    191,715    216,981    218,052    239,620    238,823 
Other collateralized debt obligations   9    9    34    34    34    34 
Total debt securities   414,775    417,904    446,939    453,924    503,077    508,153 
Marketable equity securities   1,680    2,386    5,365    7,789    5,605    8,654 
Total  $416,455   $420,290   $452,304   $461,713   $508,682   $516,807 

 

Summary of Loans by Type

(Excludes Loans Held for Sale)

(In Thousands)

 

   Dec. 31,   Sept. 30,   Dec. 31, 
   2015   2015   2014 
Residential mortgage:               
  Residential mortgage loans - first liens  $304,783   $298,096   $291,882 
  Residential mortgage loans - junior liens   21,146    20,601    21,166 
  Home equity lines of credit   39,040    38,585    36,629 
  1-4 Family residential construction   21,121    23,633    16,739 
Total residential mortgage   386,090    380,915    366,416 
Commercial:               
  Commercial loans secured by real estate   154,779    135,760    145,878 
  Commercial and industrial   75,196    72,011    50,157 
  Political subdivisions   40,007    40,186    17,534 
  Commercial construction and land   5,122    6,852    6,938 
  Loans secured by farmland   7,019    7,521    7,916 
  Multi-family (5 or more) residential   9,188    9,181    8,917 
  Agricultural loans   4,671    4,588    3,221 
  Other commercial loans   12,152    12,691    13,334 
Total commercial   308,134    288,790    253,895 
Consumer   10,656    10,160    10,234 
Total   704,880    679,865    630,545 
Less: allowance for loan losses   (7,889)   (7,416)   (7,336)
Loans, net  $696,991   $672,449   $623,209 

 

Loans Held for Sale

(In Thousands)

 

   Dec. 31,   Sept. 30,   Dec. 31, 
   2015   2015   2014 
Residential mortgage loans originated and serviced - outstanding balance  $152,728   $152,351   $152,505 
Less: outstanding balance of loans sold   (152,448)   (152,275)   (152,505)
Loans held for sale, net  $280   $76   $0 

 

 3 

 

 

ANALYSIS OF THE ALLOWANCE FOR LOAN LOSSES

(In Thousands)

 

   3 Months   3 Months   Year   Year 
   Ended   Ended   Ended   Ended 
   Dec. 31,   Sept. 30,   Dec. 31,   Dec. 31, 
   2015   2015   2015   2014 
Balance, beginning of period  $7,416   $7,300   $7,336   $8,663 
Charge-offs   (66)   (197)   (562)   (2,139)
Recoveries   220    11    270    336 
Net recoveries (charge-offs)   154    (186)   (292)   (1,803)
Provision for loan losses   319    302    845    476 
Balance, end of period  $7,889   $7,416   $7,889   $7,336 

 

PAST DUE AND IMPAIRED LOANS, NONPERFORMING ASSETS

AND TROUBLED DEBT RESTRUCTURINGS (TDRs)

(In Thousands)

 

   Dec 31,   Sept. 30,   Dec 31, 
   2015   2015   2014 
Impaired loans with a valuation allowance  $1,933   $1,963   $3,241 
Impaired loans without a valuation allowance   8,041    7,812    9,075 
Total impaired loans  $9,974   $9,775   $12,316 
                
Total loans past due 30-89 days and still accruing  $7,057   $4,780   $7,121 
                
Nonperforming assets:               
  Total nonaccrual loans  $11,517   $11,632   $12,610 
  Total loans past due 90 days or more and still accruing   3,229    2,833    2,843 
  Total nonperforming loans   14,746    14,465    15,453 
  Foreclosed assets held for sale (real estate)   1,260    1,363    1,189 
Total nonperforming assets  $16,006   $15,828   $16,642 
                
Loans subject to troubled debt restructurings (TDRs):               
  Performing  $1,267   $1,043   $1,807 
  Nonperforming   5,097    5,182    5,388 
Total TDRs  $6,364   $6,225   $7,195 
                
Total nonperforming loans as a % of loans   2.09%   2.13%   2.45%
Total nonperforming assets as a % of assets   1.31%   1.28%   1.34%
Allowance for loan losses as a % of total loans   1.12%   1.09%   1.16%
Allowance for loan losses as a % of nonperforming loans   53.50%   51.27%   47.47%

 

 4 

 

 

Analysis of Average Daily Balances and Annualized Rates

(Dollars in Thousands)

 

   3 Months       3 Months       3 Months     
   Ended   Rate of   Ended   Rate of   Ended   Rate of 
   12/31/2015   Return/   9/30/2015   Return/   12/31/2014   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  $327,225    2.05%  $361,481    2.02%  $383,802    2.10%
     Tax-exempt   105,118    4.99%   111,735    5.14%   121,735    5.22%
          Total available-for-sale securities   432,343    2.76%   473,216    2.75%   505,537    2.85%
Interest-bearing due from banks   20,168    0.39%   19,774    0.44%   31,655    0.39%
Loans held for sale   406    5.86%   245    8.10%   151    7.88%
Loans receivable:                              
     Taxable   629,294    5.04%   610,516    5.10%   587,675    5.40%
     Tax-exempt   61,339    4.52%   63,219    4.50%   39,909    5.28%
          Total loans receivable   690,633    5.00%   673,735    5.05%   627,584    5.40%
          Total Earning Assets   1,143,550    4.07%   1,166,970    4.04%   1,164,927    4.16%
Cash   16,390         16,961         16,310      
Unrealized gain/loss on securities   7,637         7,015         8,222      
Allowance for loan losses   (7,525)        (7,376)        (7,476)     
Bank premises and equipment   15,499         15,808         16,415      
Intangible Asset - Core Deposit Intangible   32         38         58      
Intangible Asset - Goodwill   11,942         11,942         11,942      
Other assets   38,037         38,294         38,442      
Total Assets  $1,225,562        $1,249,652        $1,248,840      
                               
INTEREST-BEARING LIABILITIES                              
Interest-bearing deposits:                              
     Interest checking  $195,439    0.11%  $197,189    0.11%  $190,681    0.11%
     Money market   192,825    0.16%   202,106    0.15%   198,999    0.14%
     Savings   127,744    0.10%   128,939    0.10%   122,955    0.10%
     Certificates of deposit   116,699    0.68%   125,886    0.66%   128,750    0.73%
     Individual Retirement Accounts   107,484    0.41%   109,661    0.41%   116,672    0.40%
     Other time deposits   678    0.00%   1,514    0.26%   677    0.59%
          Total interest-bearing deposits   740,869    0.25%   765,295    0.25%   758,734    0.27%
Borrowed funds:                              
     Short-term   17,395    0.39%   12,972    0.28%   6,886    0.12%
     Long-term   59,929    3.96%   62,876    3.98%   73,092    4.03%
          Total borrowed funds   77,324    3.16%   75,848    3.34%   79,978    3.69%
          Total Interest-bearing Liabilities   818,193    0.53%   841,143    0.53%   838,712    0.59%
Demand deposits   207,534         212,022         213,230      
Other liabilities   9,149         8,803         9,144      
Total Liabilities   1,034,876         1,061,968         1,061,086      
Stockholders' equity, excluding                              
     other comprehensive income/loss   185,716         183,116         182,336      
Other comprehensive income/loss   4,970         4,568         5,418      
Total Stockholders' Equity   190,686         187,684         187,754      
Total Liabilities and Stockholders' Equity  $1,225,562        $1,249,652        $1,248,840      
Interest Rate Spread        3.54%        3.51%        3.57%
Net Interest Income/Earning Assets        3.69%        3.66%        3.73%
                               
Total Deposits (Interest-bearing and Demand)  $948,403        $977,317        $971,964      

 

(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.

(3) Rates of return on earning assets and costs of funds are presented on an annualized basis.

 

 5 

 

 

Analysis of Average Daily Balances and Annualized Rates

(Dollars in Thousands)

 

   Year       Year     
   Ended   Rate of   Ended   Rate of 
   12/31/2015   Return/   12/31/2014   Return/ 
   Average   Cost of   Average   Cost of 
   Balance   Funds %   Balance   Funds % 
EARNING ASSETS                    
Available-for-sale securities, at amortized cost:                    
     Taxable  $366,448    2.07%  $371,125    2.16%
     Tax-exempt   112,700    5.21%   123,809    5.31%
          Total available-for-sale securities   479,148    2.81%   494,934    2.95%
Interest-bearing due from banks   22,201    0.42%   32,510    0.39%
Loans held for sale   222    7.21%   204    7.84%
Loans receivable:                    
     Taxable   603,771    5.19%   589,120    5.45%
     Tax-exempt   53,956    4.72%   38,633    5.54%
          Total loans receivable   657,727    5.15%   627,753    5.46%
          Total Earning Assets   1,159,298    4.09%   1,155,401    4.24%
Cash   16,639         16,865      
Unrealized gain/loss on securities   8,871         6,350      
Allowance for loan losses   (7,380)        (7,992)     
Bank premises and equipment   15,911         16,789      
Intangible Asset - Core Deposit Intangible   41         70      
Intangible Asset - Goodwill   11,942         11,942      
Other assets   37,887         40,472      
Total Assets  $1,243,209        $1,239,897      
                     
INTEREST-BEARING LIABILITIES                    
Interest-bearing deposits:                    
     Interest checking  $195,940    0.11%  $183,874    0.12%
     Money market   196,585    0.15%   198,990    0.14%
     Savings   128,355    0.10%   121,685    0.10%
     Certificates of deposit   121,803    0.68%   134,732    0.79%
     Individual Retirement Accounts   110,659    0.41%   120,016    0.39%
     Other time deposits   1,031    0.10%   1,039    0.10%
          Total interest-bearing deposits   754,373    0.26%   760,336    0.28%
Borrowed funds:                    
     Short-term   11,428    0.28%   6,744    0.13%
     Long-term   66,214    4.00%   73,196    4.03%
          Total borrowed funds   77,642    3.45%   79,940    3.70%
          Total Interest-bearing Liabilities   832,015    0.55%   840,276    0.61%
Demand deposits   213,828         205,082      
Other liabilities   8,461         9,070      
Total Liabilities   1,054,304         1,054,428      
Stockholders' equity, excluding                    
     other comprehensive income/loss   183,125         181,271      
Other comprehensive income/loss   5,780         4,198      
Total Stockholders' Equity   188,905         185,469      
Total Liabilities and Stockholders' Equity  $1,243,209        $1,239,897      
Interest Rate Spread        3.54%        3.63%
Net Interest Income/Earning Assets        3.69%        3.80%
                     
Total Deposits (Interest-bearing and Demand)  $968,201        $965,418      

  

(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.

(3) Rates of return on earning assets and costs of funds are presented on an annualized basis.

 

 6 

 

 

COMPARISON OF NONINTEREST INCOME

(In Thousands)

 

   Three Months Ended   Years Ended 
   Dec. 31,   Sept. 30,   Dec. 31,   Dec. 31,   Dec. 31, 
   2015   2015   2014   2015   2014 
Service charges on deposit accounts  $1,235   $1,302   $1,213   $4,864   $5,025 
Service charges and fees   121    137    133    494    538 
Trust and financial management revenue   1,148    1,123    1,165    4,626    4,490 
Brokerage revenue   199    215    219    839    901 
Insurance commissions, fees and premiums   22    24    15    109    118 
Interchange revenue from debit card transactions   479    482    485    1,935    1,959 
Net gains from sales of loans   162    243    211    735    768 
(Decrease) increase in fair value of servicing rights   (25)   13    (62)   (162)   (27)
Increase in cash surrender value of life insurance   92    95    98    386    376 
Net (loss) gain from premises and equipment   0    (1)   0    (1)   8 
Other operating income   561    328    325    1,579    1,264 
Total other operating income, before realized                         
   gains on available-for-sale securities, net  $3,994   $3,961   $3,802   $15,404   $15,420 

 

COMPARISON OF NONINTEREST EXPENSE

(In Thousands)

 

   Three Months Ended   Years Ended 
   Dec. 31,   Sept. 30,   Dec. 31,   Dec. 31,   Dec. 31, 
   2015   2015   2014   2015   2014 
 Salaries and wages  $3,848   $3,744   $3,562   $14,682   $15,121 
 Pensions and other employee benefits   1,084    1,016    1,206    4,420    4,769 
 Occupancy expense, net   589    623    626    2,574    2,628 
 Furniture and equipment expense   462    477    460    1,860    1,859 
 FDIC Assessments   149    155    156    603    600 
 Pennsylvania shares tax   297    311    336    1,174    1,350 
 Professional fees   175    128    272    538    699 
 Automated teller machine and interchange expense   253    234    256    988    924 
 Software subscriptions   259    209    209    876    784 
 Other operating expense   1,295    1,220    1,167    5,241    5,423 
  Total noninterest expense, before loss on                         
    prepayment of borrowings   8,411    8,117    8,250    32,956    34,157 
 Loss on prepayment of borrowings   1,663    0    0    2,573    0 
 Total noninterest expense  $10,074   $8,117   $8,250   $35,529   $34,157 

 

 7 

 

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