XML 62 R46.htm IDEA: XBRL DOCUMENT v3.20.2

LOANS - Allowance for Loan Losses (Details) - USD ($)	3 Months Ended		6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019	Jun. 30, 2020	Jun. 30, 2019
Allowance for Loan losses	$ 11,330,000	$ 8,256,000	$ 9,836,000	$ 9,309,000
Allowance for Loan losses, Charge-offs	(146,000)	(68,000)	(194,000)	(179,000)
Allowance for Loan losses, Recoveries	18,000	16,000	32,000	31,000
Allowance for Loan losses, Provision (Credit)	(176,000)	(4,000)	1,352,000	(961,000)
Allowance for Loan losses	11,026,000	8,200,000	11,026,000	8,200,000
Residential mortgage
Allowance for Loan losses	4,383,000	3,991,000	4,182,000	3,986,000
Allowance for Loan losses, Charge-offs	0	(33,000)	0	(107,000)
Allowance for Loan losses, Recoveries	2,000	2,000	5,000	6,000
Allowance for Loan losses, Provision (Credit)	(65,000)	3,000	133,000	78,000
Allowance for Loan losses	4,320,000	3,963,000	4,320,000	3,963,000
Residential mortgage | Real estate loan | first liens
Allowance for Loan losses	3,572,000	3,178,000	3,405,000	3,156,000
Allowance for Loan losses, Charge-offs	0	(33,000)	0	(83,000)
Allowance for Loan losses, Recoveries	1,000	1,000	2,000	2,000
Allowance for Loan losses, Provision (Credit)	(42,000)	(16,000)	124,000	55,000
Allowance for Loan losses	3,531,000	3,130,000	3,531,000	3,130,000
Residential mortgage | Real estate loan | junior liens
Allowance for Loan losses	414,000	329,000	384,000	325,000
Allowance for Loan losses, Charge-offs	0	0	0	(24,000)
Allowance for Loan losses, Recoveries	0	0	1,000	0
Allowance for Loan losses, Provision (Credit)	(49,000)	4,000	(20,000)	32,000
Allowance for Loan losses	365,000	333,000	365,000	333,000
Residential mortgage | Home equity lines of credit
Allowance for Loan losses	278,000	286,000	276,000	302,000
Allowance for Loan losses, Charge-offs	0	0	0	0
Allowance for Loan losses, Recoveries	1,000	1,000	2,000	4,000
Allowance for Loan losses, Provision (Credit)	8,000	(7,000)	9,000	(26,000)
Allowance for Loan losses	287,000	280,000	287,000	280,000
Residential mortgage | Construction Loans
Allowance for Loan losses	119,000	198,000	117,000	203,000
Allowance for Loan losses, Charge-offs	0	0	0	0
Allowance for Loan losses, Recoveries	0	0	0	0
Allowance for Loan losses, Provision (Credit)	18,000	22,000	20,000	17,000
Allowance for Loan losses	137,000	220,000	137,000	220,000
Commercial
Allowance for Loan losses	6,089,000	3,444,000	4,788,000	4,591,000
Allowance for Loan losses, Charge-offs	(107,000)	(6,000)	(124,000)	(6,000)
Allowance for Loan losses, Recoveries	0	1,000	0	3,000
Allowance for Loan losses, Provision (Credit)	(124,000)	(51,000)	1,194,000	(1,200,000)
Allowance for Loan losses	5,858,000	3,388,000	5,858,000	3,388,000
Commercial | Real estate loan
Allowance for Loan losses	1,932,000	1,887,000	1,921,000	2,538,000
Allowance for Loan losses, Charge-offs	0	0	0	0
Allowance for Loan losses, Recoveries	0	0	0	0
Allowance for Loan losses, Provision (Credit)	494,000	(310,000)	505,000	(961,000)
Allowance for Loan losses	2,426,000	1,577,000	2,426,000	1,577,000
Commercial | Construction Loans
Allowance for Loan losses	970,000	114,000	966,000	110,000
Allowance for Loan losses, Charge-offs	(107,000)	0	(107,000)	0
Allowance for Loan losses, Recoveries	0	0	0	0
Allowance for Loan losses, Provision (Credit)	(443,000)	38,000	(439,000)	42,000
Allowance for Loan losses	420,000	152,000	420,000	152,000
Commercial | Commercial and industrial
Allowance for Loan losses	2,645,000	1,069,000	1,391,000	1,553,000
Allowance for Loan losses, Charge-offs	0	(6,000)	(17,000)	(6,000)
Allowance for Loan losses, Recoveries	0	1,000	0	3,000
Allowance for Loan losses, Provision (Credit)	(149,000)	182,000	1,122,000	(304,000)
Allowance for Loan losses	2,496,000	1,246,000	2,496,000	1,246,000
Commercial | Loans secured by farm land
Allowance for Loan losses	144,000	98,000	158,000	102,000
Allowance for Loan losses, Charge-offs	0	0	0	0
Allowance for Loan losses, Recoveries	0	0	0	0
Allowance for Loan losses, Provision (Credit)	2,000	4,000	(12,000)	0
Allowance for Loan losses	146,000	102,000	146,000	102,000
Commercial | Multi-family (5 or more) residential
Allowance for Loan losses	199,000	112,000	156,000	114,000
Allowance for Loan losses, Charge-offs	0	0	0	0
Allowance for Loan losses, Recoveries	0	0	0	0
Allowance for Loan losses, Provision (Credit)	(36,000)	38,000	7,000	36,000
Allowance for Loan losses	163,000	150,000	163,000	150,000
Commercial | Agricultural loans
Allowance for Loan losses	39,000	43,000	41,000	46,000
Allowance for Loan losses, Charge-offs	0	0	0	0
Allowance for Loan losses, Recoveries	0	0	0	0
Allowance for Loan losses, Provision (Credit)	1,000	(1,000)	(1,000)	(4,000)
Allowance for Loan losses	40,000	42,000	40,000	42,000
Commercial | Other commercial loans
Allowance for Loan losses	160,000	121,000	155,000	128,000
Allowance for Loan losses, Charge-offs	0	0	0	0
Allowance for Loan losses, Recoveries	0	0	0	0
Allowance for Loan losses, Provision (Credit)	7,000	(2,000)	12,000	(9,000)
Allowance for Loan losses	167,000	119,000	167,000	119,000
Consumer
Allowance for Loan losses	273,000	236,000	281,000	233,000
Allowance for Loan losses, Charge-offs	(39,000)	(29,000)	(70,000)	(66,000)
Allowance for Loan losses, Recoveries	16,000	13,000	27,000	22,000
Allowance for Loan losses, Provision (Credit)	13,000	44,000	25,000	75,000
Allowance for Loan losses	263,000	264,000	263,000	264,000
Unallocated
Allowance for Loan losses	585,000	585,000	585,000	499,000
Allowance for Loan losses, Charge-offs	0	0	0	0
Allowance for Loan losses, Recoveries	0	0	0	0
Allowance for Loan losses, Provision (Credit)	0	0	0	86,000
Allowance for Loan losses	$ 585,000	$ 585,000	$ 585,000	$ 585,000

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: