XML 64 R48.htm IDEA: XBRL DOCUMENT
v3.20.2

LOANS - Loan Balances and Allowance for Loan Losses for Each Impairment Method (Details) - USD ($) $ in Thousands | Jun. 30, 2020 | Mar. 31, 2020 | Dec. 31, 2019 | Jun. 30, 2019 | Mar. 31, 2019 | Dec. 31, 2018
--- | --- | --- | --- | --- | --- | ---
Loans receivable: Individually Evaluated | $ 14,280 |  | $ 5,486 |  |  |
Loans receivable: Collectively Evaluated | 998,543 |  | 939,762 |  |  |
Loans receivable | 1,241,413 |  | 1,182,222 |  |  |
Allowance for loan losses: individually evaluated | 1,956 |  | 1,051 |  |  |
Allowance for loan losses: collectively evaluated | 8,485 |  | 8,200 |  |  |
Allowance for loan losses | 11,026 | $ 11,330 | 9,836 | $ 8,200 | $ 8,256 | $ 9,309
Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 228,590 |  | 236,974 |  |  |
Residential mortgage |  |  |  |  |  |
Loans receivable: Individually Evaluated | 1,713 |  | 1,391 |  |  |
Loans receivable: Collectively Evaluated | 460,699 |  | 476,703 |  |  |
Loans receivable | 566,293 |  | 586,580 |  |  |
Allowance for loan losses: individually evaluated | 164 |  | 176 |  |  |
Allowance for loan losses: collectively evaluated | 4,156 |  | 4,006 |  |  |
Allowance for loan losses | 4,320 | 4,383 | 4,182 | 3,963 | 3,991 | 3,986
Residential mortgage | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 103,881 |  | 108,486 |  |  |
Residential mortgage | Real estate loan | first liens |  |  |  |  |  |
Loans receivable: Individually Evaluated | 1,358 |  | 1,023 |  |  |
Loans receivable: Collectively Evaluated | 391,116 |  | 405,186 |  |  |
Loans receivable | 493,214 |  | 510,641 |  |  |
Allowance for loan losses: individually evaluated | 10 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 3,521 |  | 3,405 |  |  |
Allowance for loan losses | 3,531 | 3,572 | 3,405 | 3,130 | 3,178 | 3,156
Residential mortgage | Real estate loan | first liens | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 100,740 |  | 104,432 |  |  |
Residential mortgage | Real estate loan | junior liens |  |  |  |  |  |
Loans receivable: Individually Evaluated | 355 |  | 368 |  |  |
Loans receivable: Collectively Evaluated | 23,422 |  | 24,730 |  |  |
Loans receivable | 25,632 |  | 27,503 |  |  |
Allowance for loan losses: individually evaluated | 154 |  | 176 |  |  |
Allowance for loan losses: collectively evaluated | 211 |  | 208 |  |  |
Allowance for loan losses | 365 | 414 | 384 | 333 | 329 | 325
Residential mortgage | Real estate loan | junior liens | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 1,855 |  | 2,405 |  |  |
Residential mortgage | Home equity lines of credit |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  | 0 |  |  |
Loans receivable: Collectively Evaluated | 30,540 |  | 32,147 |  |  |
Loans receivable | 31,826 |  | 33,638 |  |  |
Allowance for loan losses: individually evaluated | 0 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 287 |  | 276 |  |  |
Allowance for loan losses | 287 | 278 | 276 | 280 | 286 | 302
Residential mortgage | Home equity lines of credit | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 1,286 |  | 1,491 |  |  |
Residential mortgage | Construction Loans |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  | 0 |  |  |
Loans receivable: Collectively Evaluated | 15,621 |  | 14,640 |  |  |
Loans receivable | 15,621 |  | 14,798 |  |  |
Allowance for loan losses: individually evaluated | 0 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 137 |  | 117 |  |  |
Allowance for loan losses | 137 | 119 | 117 | 220 | 198 | 203
Residential mortgage | Construction Loans | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 0 |  | 158 |  |  |
Commercial |  |  |  |  |  |
Loans receivable: Individually Evaluated | 12,567 |  | 4,095 |  |  |
Loans receivable: Collectively Evaluated | 521,400 |  | 446,318 |  |  |
Loans receivable | 658,676 |  | 578,901 |  |  |
Allowance for loan losses: individually evaluated | 1,792 |  | 875 |  |  |
Allowance for loan losses: collectively evaluated | 4,066 |  | 3,913 |  |  |
Allowance for loan losses | 5,858 | 6,089 | 4,788 | 3,388 | 3,444 | 4,591
Commercial | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 124,709 |  | 128,488 |  |  |
Commercial | Real estate loan |  |  |  |  |  |
Loans receivable: Individually Evaluated | 7,501 |  | 684 |  |  |
Loans receivable: Collectively Evaluated | 186,066 |  | 198,532 |  |  |
Loans receivable | 293,304 |  | 301,227 |  |  |
Allowance for loan losses: individually evaluated | 494 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 1,932 |  | 1,921 |  |  |
Allowance for loan losses | 2,426 | 1,932 | 1,921 | 1,577 | 1,887 | 2,538
Commercial | Real estate loan | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 99,737 |  | 102,011 |  |  |
Commercial | Construction Loans |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  | 1,261 |  |  |
Loans receivable: Collectively Evaluated | 40,348 |  | 29,710 |  |  |
Loans receivable | 40,348 |  | 33,555 |  |  |
Allowance for loan losses: individually evaluated | 0 |  | 678 |  |  |
Allowance for loan losses: collectively evaluated | 420 |  | 288 |  |  |
Allowance for loan losses | 420 | 970 | 966 | 152 | 114 | 110
Commercial | Construction Loans | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 0 |  | 2,584 |  |  |
Commercial | Commercial and industrial |  |  |  |  |  |
Loans receivable: Individually Evaluated | 4,645 |  | 1,467 |  |  |
Loans receivable: Collectively Evaluated | 112,891 |  | 122,313 |  |  |
Loans receivable | 120,202 |  | 126,374 |  |  |
Allowance for loan losses: individually evaluated | 1,264 |  | 149 |  |  |
Allowance for loan losses: collectively evaluated | 1,232 |  | 1,242 |  |  |
Allowance for loan losses | 2,496 | 2,645 | 1,391 | 1,246 | 1,069 | 1,553
Commercial | Commercial and industrial | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 2,666 |  | 2,594 |  |  |
Commercial | Small Business Administration - Paycheck Protection Program |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  |  |  |  |
Loans receivable: Collectively Evaluated | 97,103 |  |  |  |  |
Loans receivable | 97,103 |  | 0 |  |  |
Allowance for loan losses: individually evaluated | 0 |  |  |  |  |
Allowance for loan losses: collectively evaluated | 0 |  |  |  |  |
Allowance for loan losses | 0 |  |  |  |  |
Commercial | Small Business Administration - Paycheck Protection Program | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 0 |  |  |  |  |
Commercial | Political subdivisions |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  | 0 |  |  |
Loans receivable: Collectively Evaluated | 43,134 |  | 53,570 |  |  |
Loans receivable | 43,134 |  | 53,570 |  |  |
Allowance for loan losses: individually evaluated | 0 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 0 |  | 0 |  |  |
Allowance for loan losses | 0 |  | 0 |  |  |
Commercial | Political subdivisions | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 0 |  | 0 |  |  |
Commercial | Loans secured by farm land |  |  |  |  |  |
Loans receivable: Individually Evaluated | 421 |  | 607 |  |  |
Loans receivable: Collectively Evaluated | 10,758 |  | 11,386 |  |  |
Loans receivable | 11,433 |  | 12,251 |  |  |
Allowance for loan losses: individually evaluated | 34 |  | 48 |  |  |
Allowance for loan losses: collectively evaluated | 112 |  | 110 |  |  |
Allowance for loan losses | 146 | 144 | 158 | 102 | 98 | 102
Commercial | Loans secured by farm land | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 254 |  | 258 |  |  |
Commercial | Multi-family (5 or more) residential |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  | 0 |  |  |
Loans receivable: Collectively Evaluated | 11,195 |  | 10,617 |  |  |
Loans receivable | 32,699 |  | 31,070 |  |  |
Allowance for loan losses: individually evaluated | 0 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 163 |  | 156 |  |  |
Allowance for loan losses | 163 | 199 | 156 | 150 | 112 | 114
Commercial | Multi-family (5 or more) residential | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 21,504 |  | 20,453 |  |  |
Commercial | Agricultural loans |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  | 76 |  |  |
Loans receivable: Collectively Evaluated | 3,874 |  | 4,243 |  |  |
Loans receivable | 3,874 |  | 4,319 |  |  |
Allowance for loan losses: individually evaluated | 0 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 40 |  | 41 |  |  |
Allowance for loan losses | 40 | 39 | 41 | 42 | 43 | 46
Commercial | Agricultural loans | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 0 |  | 0 |  |  |
Commercial | Other commercial loans |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  | 0 |  |  |
Loans receivable: Collectively Evaluated | 16,031 |  | 15,947 |  |  |
Loans receivable | 16,579 |  | 16,535 |  |  |
Allowance for loan losses: individually evaluated | 0 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 167 |  | 155 |  |  |
Allowance for loan losses | 167 | 160 | 155 | 119 | 121 | 128
Commercial | Other commercial loans | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 548 |  | 588 |  |  |
Consumer |  |  |  |  |  |
Loans receivable: Individually Evaluated | 0 |  | 0 |  |  |
Loans receivable: Collectively Evaluated | 16,444 |  | 16,741 |  |  |
Loans receivable | 16,444 |  | 16,741 |  |  |
Allowance for loan losses: individually evaluated | 0 |  | 0 |  |  |
Allowance for loan losses: collectively evaluated | 263 |  | 281 |  |  |
Allowance for loan losses | 263 | 273 | 281 | 264 | 236 | 233
Consumer | Purchased Performing Loans |  |  |  |  |  |
Loans receivable | 0 |  | 0 |  |  |
Unallocated |  |  |  |  |  |
Loans receivable: Individually Evaluated |  |  | 585 |  |  |
Allowance for loan losses | $ 585 | $ 585 | $ 585 | $ 585 | $ 585 | $ 499

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 The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment. + 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 (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment. + 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 (g) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | instant

X
- Definition The balance of financing receivables that were collectively evaluated for impairment. + 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 (h) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

X
- Definition The balance of financing receivables that were individually evaluated for impairment. + 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 (h) -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 + Details
Name: | us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | instant

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=121593590&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_FinancialAssetAcquiredAndNoCreditDeteriorationMember
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_SmallBusinessAdministrationPaycheckProtectionProgramLoansCaresActMember
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_FinancingReceivablePortfolioSegmentAxis=us-gaap_UnallocatedFinancingReceivablesMember
Namespace Prefix: |
Data Type: | na
Balance Type: |
Period Type: |