XML 187 R74.htm IDEA: XBRL DOCUMENT v3.19.3.a.u2

Note 8 - Loans - Outstanding Loans by Risk Rating (Details) - USD ($)	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable, Gross, Total	$ 1,182,222,000	$ 827,563,000
Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	441,000
Residential Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	586,580,000	456,806,000
Residential Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	77,000
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Senior Lien [Member]
Loans and Leases Receivable, Gross, Total	510,641,000	372,339,000
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Senior Lien [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	77,000
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Junior Lien [Member]
Loans and Leases Receivable, Gross, Total	27,503,000	25,450,000
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Junior Lien [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Residential Portfolio Segment [Member] | Home Equity Line of Credit 1 [Member]
Loans and Leases Receivable, Gross, Total	33,638,000	34,319,000
Residential Portfolio Segment [Member] | Home Equity Line of Credit 1 [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Residential Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	14,798,000	24,698,000
Residential Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	578,901,000	353,627,000
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	364,000
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Loans and Leases Receivable, Gross, Total	301,227,000	162,611,000
Commercial Portfolio Segment [Member] | Real Estate Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	364,000
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	33,555,000	11,962,000
Commercial Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans and Leases Receivable, Gross, Total	126,374,000	91,856,000
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Commercial Portfolio Segment [Member] | Political Subdivisions [Member]
Loans and Leases Receivable, Gross, Total	53,570,000	53,263,000
Commercial Portfolio Segment [Member] | Political Subdivisions [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Commercial Portfolio Segment [Member] | Loans Secured by Farmland [Member]
Loans and Leases Receivable, Gross, Total	12,251,000	7,146,000
Commercial Portfolio Segment [Member] | Loans Secured by Farmland [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Commercial Portfolio Segment [Member] | Multifamily 5 or More Residential [Member]
Loans and Leases Receivable, Gross, Total	31,070,000	7,180,000
Commercial Portfolio Segment [Member] | Multifamily 5 or More Residential [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Loans and Leases Receivable, Gross, Total	4,319,000	5,659,000
Commercial Portfolio Segment [Member] | Agricultural Loans [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Commercial Portfolio Segment [Member] | Other Commercial Loans [Member]
Loans and Leases Receivable, Gross, Total	16,535,000	13,950,000
Commercial Portfolio Segment [Member] | Other Commercial Loans [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	16,741,000	17,130,000
Consumer Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]
Loans and Leases Receivable, Gross, Total	0
Pass [Member]
Loans and Leases Receivable, Gross, Total	1,143,535,000	800,551,000
Pass [Member] | Residential Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	575,884,000	446,605,000
Pass [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Senior Lien [Member]
Loans and Leases Receivable, Gross, Total	500,963,000	363,407,000
Pass [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Junior Lien [Member]
Loans and Leases Receivable, Gross, Total	26,953,000	24,841,000
Pass [Member] | Residential Portfolio Segment [Member] | Home Equity Line of Credit 1 [Member]
Loans and Leases Receivable, Gross, Total	33,170,000	33,659,000
Pass [Member] | Residential Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	14,798,000	24,698,000
Pass [Member] | Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	550,931,000	336,830,000
Pass [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Loans and Leases Receivable, Gross, Total	294,397,000	156,308,000
Pass [Member] | Commercial Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	32,224,000	11,887,000
Pass [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans and Leases Receivable, Gross, Total	114,293,000	84,232,000
Pass [Member] | Commercial Portfolio Segment [Member] | Political Subdivisions [Member]
Loans and Leases Receivable, Gross, Total	53,570,000	53,263,000
Pass [Member] | Commercial Portfolio Segment [Member] | Loans Secured by Farmland [Member]
Loans and Leases Receivable, Gross, Total	6,528,000	5,171,000
Pass [Member] | Commercial Portfolio Segment [Member] | Multifamily 5 or More Residential [Member]
Loans and Leases Receivable, Gross, Total	30,160,000	7,180,000
Pass [Member] | Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Loans and Leases Receivable, Gross, Total	3,343,000	4,910,000
Pass [Member] | Commercial Portfolio Segment [Member] | Other Commercial Loans [Member]
Loans and Leases Receivable, Gross, Total	16,416,000	13,879,000
Pass [Member] | Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	16,720,000	17,116,000
Special Mention [Member]
Loans and Leases Receivable, Gross, Total	19,658,000	7,394,000
Special Mention [Member] | Residential Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	331,000	1,172,000
Special Mention [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Senior Lien [Member]
Loans and Leases Receivable, Gross, Total	193,000	937,000
Special Mention [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Junior Lien [Member]
Loans and Leases Receivable, Gross, Total	79,000	176,000
Special Mention [Member] | Residential Portfolio Segment [Member] | Home Equity Line of Credit 1 [Member]
Loans and Leases Receivable, Gross, Total	59,000	59,000
Special Mention [Member] | Residential Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	0	0
Special Mention [Member] | Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	19,327,000	6,222,000
Special Mention [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Loans and Leases Receivable, Gross, Total	4,773,000	740,000
Special Mention [Member] | Commercial Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	0	0
Special Mention [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans and Leases Receivable, Gross, Total	9,538,000	5,230,000
Special Mention [Member] | Commercial Portfolio Segment [Member] | Political Subdivisions [Member]
Loans and Leases Receivable, Gross, Total	0	0
Special Mention [Member] | Commercial Portfolio Segment [Member] | Loans Secured by Farmland [Member]
Loans and Leases Receivable, Gross, Total	4,681,000	168,000
Special Mention [Member] | Commercial Portfolio Segment [Member] | Multifamily 5 or More Residential [Member]
Loans and Leases Receivable, Gross, Total	0	0
Special Mention [Member] | Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Loans and Leases Receivable, Gross, Total	335,000	84,000
Special Mention [Member] | Commercial Portfolio Segment [Member] | Other Commercial Loans [Member]
Loans and Leases Receivable, Gross, Total	0	0
Special Mention [Member] | Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	0	0
Substandard [Member]
Loans and Leases Receivable, Gross, Total	18,504,000	19,556,000
Substandard [Member] | Residential Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	10,204,000	8,978,000
Substandard [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Senior Lien [Member]
Loans and Leases Receivable, Gross, Total	9,324,000	7,944,000
Substandard [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Junior Lien [Member]
Loans and Leases Receivable, Gross, Total	471,000	433,000
Substandard [Member] | Residential Portfolio Segment [Member] | Home Equity Line of Credit 1 [Member]
Loans and Leases Receivable, Gross, Total	409,000	601,000
Substandard [Member] | Residential Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	0	0
Substandard [Member] | Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	8,279,000	10,564,000
Substandard [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Loans and Leases Receivable, Gross, Total	1,693,000	5,563,000
Substandard [Member] | Commercial Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	1,331,000	75,000
Substandard [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans and Leases Receivable, Gross, Total	2,543,000	2,394,000
Substandard [Member] | Commercial Portfolio Segment [Member] | Political Subdivisions [Member]
Loans and Leases Receivable, Gross, Total	0	0
Substandard [Member] | Commercial Portfolio Segment [Member] | Loans Secured by Farmland [Member]
Loans and Leases Receivable, Gross, Total	1,042,000	1,796,000
Substandard [Member] | Commercial Portfolio Segment [Member] | Multifamily 5 or More Residential [Member]
Loans and Leases Receivable, Gross, Total	910,000	0
Substandard [Member] | Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Loans and Leases Receivable, Gross, Total	641,000	665,000
Substandard [Member] | Commercial Portfolio Segment [Member] | Other Commercial Loans [Member]
Loans and Leases Receivable, Gross, Total	119,000	71,000
Substandard [Member] | Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	21,000	14,000
Doubtful [Member]
Loans and Leases Receivable, Gross, Total	84,000	62,000
Doubtful [Member] | Residential Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	84,000	51,000
Doubtful [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Senior Lien [Member]
Loans and Leases Receivable, Gross, Total	84,000	51,000
Doubtful [Member] | Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Junior Lien [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Residential Portfolio Segment [Member] | Home Equity Line of Credit 1 [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Residential Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	0	11,000
Doubtful [Member] | Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | Construction Loans [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | Political Subdivisions [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | Loans Secured by Farmland [Member]
Loans and Leases Receivable, Gross, Total	0	11,000
Doubtful [Member] | Commercial Portfolio Segment [Member] | Multifamily 5 or More Residential [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Commercial Portfolio Segment [Member] | Other Commercial Loans [Member]
Loans and Leases Receivable, Gross, Total	0	0
Doubtful [Member] | Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	$ 0	$ 0

X

- Definition

Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=118952595&loc=d3e4428-111522

+ Details

Name:	us-gaap_LoansAndLeasesReceivableGrossCarryingAmount
Namespace Prefix:	us-gaap_
Data Type:	xbrli:monetaryItemType
Balance Type:	debit
Period Type:	instant

X

- Details

Name:	us-gaap_CreditLossStatusAxis=us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

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_PoliticalSubdivisionsMember
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_InternalCreditAssessmentAxis=us-gaap_PassMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type:

X

- Details

Name:	us-gaap_InternalCreditAssessmentAxis=us-gaap_DoubtfulMember
Namespace Prefix:
Data Type:	na
Balance Type:
Period Type: