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Howard's Inc, Coudersport, PA

UPMC Cole

Thursday, October 20, 2016

C&N ANNOUNCES THIRD QUARTER 2016 UNAUDITED FINANCIAL RESULTS

Wellsboro, PA – Citizens & Northern Corporation (C&N) announced its unaudited, consolidated financial results for the three-month and nine-month periods ended September 30, 2016.

Net income was $0.34 per basic and diluted share in the third quarter 2016, up from $0.32 in the second quarter 2016 and down from $0.35 in the third quarter 2015. For the nine months ended September 30, 2016, net income per basic and diluted share was $0.95 as compared to $1.02 per basic and $1.01 per diluted share for the first nine months of 2015. The return on average assets for the first nine months of 2016 was 1.25%, and the return on average equity was 8.16%. Highlights related to C&N’s earnings results for the comparative periods are as follows:

Third Quarter 2016 as Compared to Second Quarter 2016

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