XML 93 R73.htm IDEA: XBRL DOCUMENT
v3.19.3.a.u2

Note 8 - Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 12 Months Ended
--- | --- | ---
Dec. 31, 2019 | Sep. 30, 2019 | Jun. 30, 2019 | Mar. 31, 2019 | Dec. 31, 2018 | Sep. 30, 2018 | Jun. 30, 2018 | Mar. 31, 2018 | Dec. 31, 2019 | Dec. 31, 2018
Allowance for loan losses |  |  |  | $ 9,309 |  |  |  | $ 8,856 | $ 9,309 | $ 8,856
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | (379) | (497)
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 57 | 366
Allowance for loan losses, provision | $ 652 | $ 1,158 | $ (4) | (957) | $ 252 | $ 60 | $ (20) | 292 | 849 | 584
Allowance for loan losses | 9,836 |  |  |  | 9,309 |  |  |  | 9,836 | 9,309
Residential Portfolio Segment [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 3,986 |  |  |  | 3,963 | 3,986 | 3,963
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | (190) | (158)
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 12 | 8
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 374 | 173
Allowance for loan losses | 4,182 |  |  |  | 3,986 |  |  |  | 4,182 | 3,986
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Senior Lien [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 3,156 |  |  |  | 3,200 | 3,156 | 3,200
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | (166) | (108)
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 4 | 4
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 411 | 60
Allowance for loan losses | 3,405 |  |  |  | 3,156 |  |  |  | 3,405 | 3,156
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Junior Lien [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 325 |  |  |  | 224 | 325 | 224
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | (24) | 0
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 2 | 4
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 81 | 97
Allowance for loan losses | 384 |  |  |  | 325 |  |  |  | 384 | 325
Residential Portfolio Segment [Member] | Home Equity Line of Credit 1 [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 302 |  |  |  | 296 | 302 | 296
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | (50)
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 5 | 0
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | (31) | 56
Allowance for loan losses | 276 |  |  |  | 302 |  |  |  | 276 | 302
Residential Portfolio Segment [Member] | Construction Loans [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 203 |  |  |  | 243 | 203 | 243
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 1 | 0
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | (87) | (40)
Allowance for loan losses | 117 |  |  |  | 203 |  |  |  | 117 | 203
Commercial Portfolio Segment [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 4,591 |  |  |  | 4,235 | 4,591 | 4,235
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | (6) | (165)
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 6 | 317
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 197 | 204
Allowance for loan losses | 4,788 |  |  |  | 4,591 |  |  |  | 4,788 | 4,591
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 2,538 |  |  |  | 2,584 | 2,538 | 2,584
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | (21)
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | (617) | (25)
Allowance for loan losses | 1,921 |  |  |  | 2,538 |  |  |  | 1,921 | 2,538
Commercial Portfolio Segment [Member] | Construction Loans [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 110 |  |  |  | 150 | 110 | 150
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 856 | (40)
Allowance for loan losses | 966 |  |  |  | 110 |  |  |  | 966 | 110
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 1,553 |  |  |  | 1,065 | 1,553 | 1,065
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | (6) | (144)
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 6 | 6
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | (162) | 626
Allowance for loan losses | 1,391 |  |  |  | 1,553 |  |  |  | 1,391 | 1,553
Commercial Portfolio Segment [Member] | Loans Secured by Farmland [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 102 |  |  |  | 105 | 102 | 105
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 56 | (3)
Allowance for loan losses | 158 |  |  |  | 102 |  |  |  | 158 | 102
Commercial Portfolio Segment [Member] | Multifamily 5 or More Residential [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 114 |  |  |  | 172 | 114 | 172
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 0 | 311
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 42 | (369)
Allowance for loan losses | 156 |  |  |  | 114 |  |  |  | 156 | 114
Commercial Portfolio Segment [Member] | Agricultural Loans [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 46 |  |  |  | 57 | 46 | 57
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | (5) | (11)
Allowance for loan losses | 41 |  |  |  | 46 |  |  |  | 41 | 46
Commercial Portfolio Segment [Member] | Other Commercial Loans [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 128 |  |  |  | 102 | 128 | 102
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 27 | 26
Allowance for loan losses | 155 |  |  |  | 128 |  |  |  | 155 | 128
Consumer Portfolio Segment [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | 233 |  |  |  | 159 | 233 | 159
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | (183) | (174)
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 39 | 41
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 192 | 207
Allowance for loan losses | 281 |  |  |  | 233 |  |  |  | 281 | 233
Unallocated Financing Receivables [Member] |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  | $ 499 |  |  |  | $ 499 | 499 | 499
Allowance for loan losses, charge-offs |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, recoveries |  |  |  |  |  |  |  |  | 0 | 0
Allowance for loan losses, provision |  |  |  |  |  |  |  |  | 86 | 0
Allowance for loan losses | $ 585 |  |  |  | $ 499 |  |  |  | $ 585 | $ 499

X
- Definition Amount of (credit) provision related to estimated loss from loan transactions. + References No definition available. + Details
Name: | cznc_CreditProvisionForLoanAndLeaseLosses
Namespace Prefix: | cznc_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of allowance for credit loss on financing receivable. Excludes allowance for financing receivable covered under loss sharing agreement. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 45 -Paragraph 1 -URI http://asc.fasb.org/extlink&oid=118955202&loc=SL82895884-210446 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (f) -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLosses
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of recovery of financing receivables doubtful of collection that were previously charged off. + References Reference 1: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922352-210448 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(4) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition Amount of writeoff of financing receivable, charged against allowance for credit loss. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -Subparagraph (d) -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(3) -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 79 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922352-210448 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03(7)(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ResidentialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_RealEstateLoanMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LienCategoryAxis=us-gaap_SeniorLienMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_LienCategoryAxis=us-gaap_JuniorLienMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_HomeEquityLineOfCredit1Member
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConstructionLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_CommercialPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_CommercialAndIndustrialMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_LoansSecuredByFarmlandMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_Multifamily5OrMoreResidentialMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_AgriculturalLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=cznc_OtherCommercialLoansMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_ConsumerPortfolioSegmentMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |

X
- Details
Name: | us-gaap_FinancingReceivablePortfolioSegmentAxis=us-gaap_UnallocatedFinancingReceivablesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |