XML 84 R50.htm IDEA: XBRL DOCUMENT v3.20.1

Note 7 - Loans - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Allowance for loan losses	$ 9,836	$ 9,309
Allowance for loan losses, charge-offs	(48)	(111)
Allowance for loan losses, recoveries	14	15
Allowance for loan losses, provision	1,528	(957)
Allowance for loan losses	11,330	8,256
Residential Portfolio Segment [Member]
Allowance for loan losses	4,182	3,986
Allowance for loan losses, charge-offs	0	(74)
Allowance for loan losses, recoveries	3	4
Allowance for loan losses, provision	198	75
Allowance for loan losses	4,383	3,991
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Senior Lien [Member]
Allowance for loan losses	3,405	3,156
Allowance for loan losses, charge-offs	0	(50)
Allowance for loan losses, recoveries	1	1
Allowance for loan losses, provision	166	71
Allowance for loan losses	3,572	3,178
Residential Portfolio Segment [Member] | Real Estate Loan [Member] | Junior Lien [Member]
Allowance for loan losses	384	325
Allowance for loan losses, charge-offs	0	(24)
Allowance for loan losses, recoveries	1	0
Allowance for loan losses, provision	29	28
Allowance for loan losses	414	329
Residential Portfolio Segment [Member] | Home Equity Line of Credit 1 [Member]
Allowance for loan losses	276	302
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	1	3
Allowance for loan losses, provision	1	(19)
Allowance for loan losses	278	286
Residential Portfolio Segment [Member] | Construction Loans [Member]
Allowance for loan losses	117	203
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	0	0
Allowance for loan losses, provision	2	(5)
Allowance for loan losses	119	198
Commercial Portfolio Segment [Member]
Allowance for loan losses	4,788	4,591
Allowance for loan losses, charge-offs	(17)	0
Allowance for loan losses, recoveries	0	2
Allowance for loan losses, provision	1,318	(1,149)
Allowance for loan losses	6,089	3,444
Commercial Portfolio Segment [Member] | Real Estate Loan [Member]
Allowance for loan losses	1,921	2,538
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	0	0
Allowance for loan losses, provision	11	(651)
Allowance for loan losses	1,932	1,887
Commercial Portfolio Segment [Member] | Construction Loans [Member]
Allowance for loan losses	966	110
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	0	0
Allowance for loan losses, provision	4	4
Allowance for loan losses	970	114
Commercial Portfolio Segment [Member] | Commercial and Industrial [Member]
Allowance for loan losses	1,391	1,553
Allowance for loan losses, charge-offs	(17)	0
Allowance for loan losses, recoveries	0	2
Allowance for loan losses, provision	1,271	(486)
Allowance for loan losses	2,645	1,069
Commercial Portfolio Segment [Member] | Loans Secured by Farmland [Member]
Allowance for loan losses	158	102
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	0	0
Allowance for loan losses, provision	(14)	(4)
Allowance for loan losses	144	98
Commercial Portfolio Segment [Member] | Multifamily 5 or More Residential [Member]
Allowance for loan losses	156	114
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	0	0
Allowance for loan losses, provision	43	(2)
Allowance for loan losses	199	112
Commercial Portfolio Segment [Member] | Agricultural Loans [Member]
Allowance for loan losses	41	46
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	0	0
Allowance for loan losses, provision	(2)	(3)
Allowance for loan losses	39	43
Commercial Portfolio Segment [Member] | Other Commercial Loans [Member]
Allowance for loan losses	155	128
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	0	0
Allowance for loan losses, provision	5	(7)
Allowance for loan losses	160	121
Consumer Portfolio Segment [Member]
Allowance for loan losses	281	233
Allowance for loan losses, charge-offs	(31)	(37)
Allowance for loan losses, recoveries	11	9
Allowance for loan losses, provision	12	31
Allowance for loan losses	273	236
Unallocated Financing Receivables [Member]
Allowance for loan losses	585	499
Allowance for loan losses, charge-offs	0	0
Allowance for loan losses, recoveries	0	0
Allowance for loan losses, provision	0	86
Allowance for loan losses	$ 585	$ 585

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=121611835&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03(7)(2))
-URI http://asc.fasb.org/extlink&oid=120398452&loc=d3e534808-122878

Reference 3: 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=121599878&loc=SL82895884-210446

Reference 4: 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=121599337&loc=SL82919249-210447

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=121599337&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 increase in allowance for credit loss on financing receivable from recovery.

+ 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=121647567&loc=SL82922352-210448

Reference 2: 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=121599337&loc=SL82919249-210447

Reference 3: 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=121611835&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=121599337&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=121611835&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=121647567&loc=SL82922352-210448

+ 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: