Citizens & Northern : EXHIBIT 99.3

EXHIBIT 99.3 - Supplemental, Unaudited Financial Information

CONDENSED, CONSOLIDATED FINANCIAL HIGHLIGHTS
(Dollars In Thousands, Except Per Share Data) (Unaudited)
		AS OF OR FOR THE
		YEARS ENDED								%
		DECEMBER 31,								INCREASE
		2018				2017				(DECREASE)
EARNINGS PERFORMANCE
Net Income		$	22,013			$	13,434				63.86	%
Return on Average Assets			1.72	%			1.08	%			59.26	%
Return on Average Equity			11.72	%			7.11	%			64.84	%
BALANCE SHEET HIGHLIGHTS
Total Assets		$	1,290,893			$	1,276,959				1.09	%
Available-for-Sale Debt Securities			363,273				355,937				2.06	%
Loans (Net)			818,254				806,857				1.41	%
Allowance for Loan Losses			9,309				8,856				5.12	%
Deposits and Repo Sweep Accounts			1,039,625				1,012,215				2.71	%
OFF-BALANCE SHEET
Outstanding Balance of Mortgage Loans Sold
with Servicing Retained		$	171,750			$	169,725				1.19	%
Trust Assets Under Management			862,517				916,580				-5.90	%
SHAREHOLDERS' VALUE (PER COMMON SHARE)
Net Income - Basic		$	1.79			$	1.10				62.73	%
Net Income - Diluted		$	1.79			$	1.10				62.73	%
Dividends		$	1.08			$	1.04				3.85	%
Common Book Value		$	16.02			$	15.43				3.82	%
Tangible Common Book Value (a)		$	15.05			$	14.45				4.15	%
Market Value (Last Trade)		$	26.43			$	24.00				10.13	%
Market Value / Common Book Value			164.98	%			155.54	%			6.07	%
Market Value / Tangible Common Book Value			175.61	%			166.09	%			5.73	%
Price Earnings Multiple (Annualized)			14.77				21.82				-32.31	%
Dividend Yield (Annualized)			4.09	%			4.33	%			-5.54	%
Common Shares Outstanding, End of Period			12,319,330				12,214,525				0.86	%

1

CONDENSED, CONSOLIDATED FINANCIAL HIGHLIGHTS (Continued)
(Dollars In Thousands, Except Per Share Data) (Unaudited)
		AS OF OR FOR THE
		YEARS ENDED								%
		DECEMBER 31,								INCREASE
		2018				2017				(DECREASE)
SAFETY AND SOUNDNESS
Tangible Common Equity / Tangible Assets (a)			14.50	%			13.95	%			3.91	%
Nonperforming Assets / Total Assets			1.37	%			1.47	%			-6.80	%
Allowance for Loan Losses / Total Loans			1.12	%			1.09	%			2.75	%
Total Risk Based Capital Ratio (b)			24.35	%			23.07	%			5.55	%
Tier 1 Risk Based Capital Ratio (b)			23.17	%			21.95	%			5.56	%
Common Equity Tier 1 Risk Based Capital Ratio (b)			23.17	%			21.95	%			5.56	%
Leverage Ratio (b)			14.78	%			14.23	%			3.87	%
AVERAGE BALANCES
Average Assets		$	1,276,139			$	1,247,759				2.27	%
Average Equity		$	187,895			$	188,958				-0.56	%
EFFICIENCY RATIO (c)
Net Interest Income on a Fully Taxable-Equivalent Basis (c)		$	47,006			$	44,708				5.14	%
Noninterest Income			18,597				16,153				15.13	%
Total (1)		$	65,603			$	60,861				7.79	%
Noninterest Expense (2)		$	39,486			$	36,967				6.81	%
Efficiency Ratio = (2)/(1)			60.19	%			60.74	%			-0.91	%

(a) Tangible book value per common share and tangible common equity as a percentage of tangible assets are non-U.S. GAAP ratios. Management believes this non-GAAP information is helpful in evaluating the strength of the Corporation's capital and in providing an alternative, conservative valuation of the Corporation's net worth. The ratios shown above are based on the following calculations of tangible assets and tangible common equity:

Total Assets		$	1,290,893			$	1,276,959
Less: Intangible Assets, Primarily Goodwill			(11,951	)			(11,954	)
Tangible Assets		$	1,278,942			$	1,265,005
Total Shareholders' Equity		$	197,368			$	188,443
Less: Intangible Assets, Primarily Goodwill			(11,951	)			(11,954	)
Tangible Common Equity (3)		$	185,417			$	176,489
Common Shares Outstanding, End of Period (4)			12,319,330				12,214,525
Tangible Common Book Value per Share = (3)/(4)		$	15.05			$	14.45
(b) Capital ratios for the most recent period are estimated.

(c) The efficiency ratio is a non-GAAP ratio that is calculated as shown above. For purposes of calculating the efficiency ratio, net interest income on a fully taxable-equivalent basis includes amounts of interest income on tax-exempt securities and loans that have been increased to a fully taxable-equivalent basis, using the Corporation's marginal federal income tax rate of 21% for 2018 and 35% for 2017.

2

QUARTERLY CONDENSED, CONSOLIDATED
INCOME STATEMENT INFORMATION

(Dollars In Thousands, Except Per Share Data)		For the Three Months Ended:
(Unaudited)		Dec. 31,				Sept. 30,				June 30,				March 31,				Dec. 31,				Sept. 30,				June 30,				March 31,
		2018				2018				2018				2018				2017				2017				2017				2017
Interest income		$	13,304			$	12,800			$	12,334			$	11,890			$	11,785			$	11,626			$	11,340			$	11,112
Interest expense			1,312				1,241				1,079				993				999				985				978				953
Net interest income			11,992				11,559				11,255				10,897				10,786				10,641				10,362				10,159
Provision (credit) for loan losses			252				60				(20	)			292				23				322				4				452
Net interest income after provision (credit) for
loan losses			11,740				11,499				11,275				10,605				10,763				10,319				10,358				9,707
Noninterest income			5,040				4,462				4,689				4,406				4,117				4,066				4,106				3,864
Net (losses) gains on securities			(4	)			569				1,468				0				0				5				107				145
Noninterest expense			10,074				9,833				9,684				9,895				9,401				9,192				9,076				9,298
Income before income tax provision			6,702				6,697				7,748				5,116				5,479				5,198				5,495				4,418
Income tax provision			1,021				1,111				1,377				741				3,536				1,262				1,374				984
Net income		$	5,681			$	5,586			$	6,371			$	4,375			$	1,943			$	3,936			$	4,121			$	3,434
Net income attributable to common shares		$	5,653			$	5,558			$	6,339			$	4,352			$	1,933			$	3,916			$	4,100			$	3,416
Basic earnings per common share		$	0.46			$	0.45			$	0.52			$	0.36			$	0.16			$	0.32			$	0.34			$	0.28
Diluted earnings per common share		$	0.46			$	0.45			$	0.52			$	0.36			$	0.16			$	0.32			$	0.34			$	0.28

QUARTERLY CONDENSED, CONSOLIDATED
BALANCE SHEET INFORMATION
(In Thousands) (Unaudited)		As of:
		Dec. 31,				Sept. 30,				June 30,				March 31,				Dec. 31,
		2018				2018				2018				2018				2017
ASSETS
Cash & Due from Banks		$	37,487			$	38,341			$	51,475			$	36,860			$	40,244
Available-for-Sale Debt Securities			363,273				358,706				348,044				341,133				355,937
Loans Held for Sale			213				551				177				225				765
Loans, Net			818,254				813,717				809,816				808,300				806,857
Intangible Assets			11,951				11,951				11,952				11,953				11,954
Other Assets			59,715				62,173				62,543				59,645				61,202
TOTAL ASSETS		$	1,290,893			$	1,285,439			$	1,284,007			$	1,258,116			$	1,276,959
LIABILITIES
Deposits		$	1,033,772			$	1,043,947			$	1,040,899			$	1,018,081			$	1,008,449
Repo Sweep Accounts			5,853				5,421				5,169				5,482				3,766
Total Deposits and Repo Sweeps			1,039,625				1,049,368				1,046,068				1,023,563				1,012,215
Borrowed Funds			42,915				35,985				39,054				39,122				67,189
Other Liabilities			10,985				10,099				9,706				9,049				9,112
TOTAL LIABILITIES			1,093,525				1,095,452				1,094,828				1,071,734				1,088,516
SHAREHOLDERS' EQUITY
Common Shareholders' Equity, Excluding
Accumulated Other Comprehensive Income (Loss)			201,538				198,355				195,518				191,920				189,950
Accumulated Other Comprehensive Income (Loss):
Net Unrealized Gains (Losses) on
Available-for-sale Securities			(4,307	)			(8,502	)			(6,476	)			(5,679	)			(1,566	)
Defined Benefit Plans Adjustment, Net			137				134				137				141				59
TOTAL SHAREHOLDERS' EQUITY			197,368				189,987				189,179				186,382				188,443
TOTAL LIABILITIES & SHAREHOLDERS' EQUITY		$	1,290,893			$	1,285,439			$	1,284,007			$	1,258,116			$	1,276,959

3

AVAILABLE-FOR-SALE DEBT SECURITIES		December 31, 2018								September 30, 2018								December 31, 2017
(In Thousands)		Amortized				Fair				Amortized				Fair				Amortized				Fair
		Cost				Value				Cost				Value				Cost				Value
Obligations of U.S. Government agencies		$	12,331			$	12,500			$	4,815			$	4,768			$	8,026			$	7,873
Obligations of states and political subdivisions:
Tax-exempt			84,204				83,952				92,837				91,712				103,673				105,111
Taxable			27,618				27,699				27,975				27,642				25,431				25,573
Mortgage-backed securities issued or guaranteed
by U.S. Government agencies or sponsored
agencies:
Residential pass-through securities			54,827				53,445				57,279				55,131				52,992				52,347
Residential collateralized mortgage obligations			148,964				145,912				148,074				142,631				134,314				131,814
Commercial mortgage-backed securities			40,781				39,765				38,488				36,822				33,881				33,219
Total Available-for-Sale Debt Securities		$	368,725			$	363,273			$	369,468			$	358,706			$	358,317			$	355,937

Summary of Loans by Type
(Excludes Loans Held for Sale)
(In Thousands)		Dec. 31,				Sept. 30,				Dec. 31,
		2018				2018				2017
Residential mortgage:
Residential mortgage loans - first liens		$	372,339			$	366,516			$	359,987
Residential mortgage loans - junior liens			25,450				25,748				25,325
Home equity lines of credit			34,319				34,283				35,758
1-4 Family residential construction			24,698				27,661				26,216
Total residential mortgage			456,806				454,208				447,286
Commercial:
Commercial loans secured by real estate			162,611				159,212				159,266
Commercial and industrial			91,856				91,472				88,276
Political subdivisions			53,263				53,294				59,287
Commercial construction and land			11,962				12,278				14,527
Loans secured by farmland			7,146				7,208				7,255
Multi-family (5 or more) residential			7,180				7,670				7,713
Agricultural loans			5,659				5,670				6,178
Other commercial loans			13,950				14,140				10,986
Total commercial			353,627				350,944				353,488
Consumer			17,130				17,380				14,939
Total			827,563				822,532				815,713
Less: allowance for loan losses			(9,309	)			(8,815	)			(8,856	)
Loans, net		$	818,254			$	813,717			$	806,857
Loans Held for Sale
(In Thousands)			Dec. 31,				Sept. 30,				Dec. 31,
			2018				2018				2017
Residential mortgage loans originated
and serviced - outstanding balance		$	171,955			$	172,067			$	170,490
Less: outstanding balance of loans sold			(171,742	)			(171,516	)			(169,725	)
Loans held for sale, net		$	213			$	551			$	765

4

ANALYSIS OF THE ALLOWANCE FOR LOAN LOSSES
(In Thousands)
		3 Months				3 Months				Year				Year
		Ended				Ended				Ended				Ended
		Dec. 31,				Sept. 30,				Dec. 31,				Dec. 31,
		2018				2018				2018				2017
Balance, beginning of period		$	8,815			$	8,831			$	8,856			$	8,473
Charge-offs			(79	)			(92	)			(497	)			(479	)
Recoveries			321				16				366				61
Net charge-offs			242				(76	)			(131	)			(418	)
Provision for loan losses			252				60				584				801
Balance, end of period		$	9,309			$	8,815			$	9,309			$	8,856

PAST DUE AND IMPAIRED LOANS, NONPERFORMING ASSETS
AND TROUBLED DEBT RESTRUCTURINGS (TDRs)
(Dollars In Thousands)
		Dec 31,				Sept. 30,				Dec 31,
		2018				2018				2017
Impaired loans with a valuation allowance		$	4,851			$	3,623			$	4,100
Impaired loans without a valuation allowance			4,923				4,455				5,411
Total impaired loans		$	9,774			$	8,078			$	9,511
Total loans past due 30-89 days and still accruing		$	7,142			$	4,455			$	9,449
Nonperforming assets:
Total nonaccrual loans		$	13,113			$	10,911			$	13,404
Total loans past due 90 days or more and still accruing			2,906				3,124				3,724
Total nonperforming loans			16,019				14,035				17,128
Foreclosed assets held for sale (real estate)			1,703				2,678				1,598
Total nonperforming assets		$	17,722			$	16,713			$	18,726
Loans subject to troubled debt restructurings (TDRs):
Performing		$	655			$	698			$	636
Nonperforming			2,884				2,925				3,027
Total TDRs		$	3,539			$	3,623			$	3,663
Total nonperforming loans as a % of loans			1.94	%			1.71	%			2.10	%
Total nonperforming assets as a % of assets			1.37	%			1.30	%			1.47	%
Allowance for loan losses as a % of total loans			1.12	%			1.07	%			1.09	%
Allowance for loan losses as a % of nonperforming loans			58.11	%			62.81	%			51.70	%

5

Analysis of Average Daily Balances and Rates
(Dollars in Thousands)
		3 Months								3 Months								3 Months
		Ended				Rate of				Ended				Rate of				Ended				Rate of
		12/31/2018				Return/				9/30/2018				Return/				12/31/2017				Return/
		Average				Cost of				Average				Cost of				Average				Cost of
		Balance				Funds %				Balance				Funds %				Balance				Funds %
EARNING ASSETS
Available-for-sale debt securities, at amortized cost:
Taxable		$	282,708				2.56	%		$	269,054				2.39	%		$	256,714				2.14	%
Tax-exempt			91,371				3.68	%			93,475				3.63	%			106,773				4.23	%
Total available-for-sale debt securities			374,079				2.83	%			362,529				2.71	%			363,487				2.76	%
Marketable equity security			941				2.53	%			945				2.10	%			1,000				2.38	%
Interest-bearing due from banks			16,082				2.37	%			34,540				1.99	%			15,423				1.29	%
Loans held for sale			225				8.82	%			179				6.65	%			393				5.05	%
Loans receivable:
Taxable			751,793				5.35	%			744,793				5.20	%			729,219				4.92	%
Tax-exempt			74,672				3.78	%			75,639				3.70	%			73,683				4.56	%
Total loans receivable			826,465				5.21	%			820,432				5.06	%			802,902				4.88	%
Total Earning Assets			1,217,792				4.44	%			1,218,625				4.27	%			1,183,205				4.18	%
Cash			17,101								18,697								17,645
Unrealized gain/loss on securities			(10,898	)							(8,641	)							(844	)
Allowance for loan losses			(8,986	)							(8,984	)							(9,013	)
Bank premises and equipment			14,735								15,023								15,313
Intangible assets			11,949								11,953								11,954
Other assets			44,159								44,675								42,294
Total Assets		$	1,285,852							$	1,291,348							$	1,260,554
INTEREST-BEARING LIABILITIES
Interest-bearing deposits:
Interest checking		$	216,757				0.51	%		$	223,105				0.49	%		$	215,300				0.28	%
Money market			177,461				0.40	%			185,267				0.33	%			188,659				0.19	%
Savings			155,687				0.10	%			153,514				0.10	%			147,382				0.10	%
Certificates of deposit			136,810				1.28	%			141,481				1.24	%			119,936				0.92	%
Individual Retirement Accounts			88,519				0.55	%			90,693				0.52	%			96,148				0.46	%
Other time deposits			666				0.00	%			1,446				0.27	%			682				0.00	%
Total interest-bearing deposits			775,900				0.54	%			795,506				0.52	%			768,107				0.35	%
Borrowed funds:
Short-term			12,499				1.46	%			13,062				1.18	%			25,669				1.28	%
Long-term			34,936				2.33	%			30,375				2.21	%			29,480				3.35	%
Total borrowed funds			47,435				2.10	%			43,437				1.90	%			55,149				2.39	%
Total Interest-bearing Liabilities			823,335				0.63	%			838,943				0.59	%			823,256				0.48	%
Demand deposits			261,118								252,093								237,518
Other liabilities			11,015								11,147								9,308
Total Liabilities			1,095,468								1,102,183								1,070,082
Stockholders' equity, excluding accumulated other comprehensive income/loss			198,861								195,854								190,878
Accumulated other comprehensive income/loss			(8,477	)							(6,689	)							(406	)
Total Shareholders' Equity			190,384								189,165								190,472
Total Liabilities and Shareholders' Equity		$	1,285,852							$	1,291,348							$	1,260,554
Interest Rate Spread							3.81	%							3.68	%							3.70	%
Net Interest Income/Earning Assets							4.01	%							3.87	%							3.84	%
Total Deposits (Interest-bearing and Demand)		$	1,037,018							$	1,047,599							$	1,005,625

(1) Annualized rates of return on tax-exempt securities and loans are presented on a fully taxable-equivalent basis, using the Corporation's marginal federal income tax rate of 21% in 2018 and 35% in 2017.

(2) Nonaccrual loans have been included with loans for the purpose of analyzing net interest earnings.

(3) Rates of return on earning assets and costs of funds have been presented on an annualized basis.

6

Analysis of Average Daily Balances and Rates
(Dollars in Thousands)
		Year								Year
		Ended				Rate of				Ended				Rate of
		12/31/2018				Return/				12/31/2017				Return/
		Average				Cost of				Average				Cost of
		Balance				Funds %				Balance				Funds %
EARNING ASSETS
Available-for-sale debt securities, at amortized cost:
Taxable		$	262,461				2.36	%		$	258,079				2.12	%
Tax-exempt			97,662				3.58	%			112,746				4.34	%
Total available-for-sale debt securities			360,123				2.69	%			370,825				2.80	%
Marketable equity security			950				2.32	%			1,000				2.10	%
Interest-bearing due from banks			21,800				1.90	%			16,634				1.14	%
Loans held for sale			210				6.67	%			470				5.32	%
Loans receivable:
Taxable			746,309				5.18	%			711,901				4.90	%
Tax-exempt			76,037				3.71	%			68,739				4.52	%
Total loans receivable			822,346				5.05	%			780,640				4.87	%
Total Earning Assets			1,205,429				4.28	%			1,169,569				4.16	%
Cash			17,674								17,322
Unrealized gain/loss on securities			(8,343	)							88
Allowance for loan losses			(9,033	)							(8,820	)
Bank premises and equipment			15,156								15,541
Intangible assets			11,952								11,957
Other assets			43,305								42,102
Total Assets		$	1,276,140							$	1,247,759
INTEREST-BEARING LIABILITIES
Interest-bearing deposits:
Interest checking		$	217,638				0.44	%		$	209,893				0.23	%
Money market			180,835				0.30	%			191,356				0.19	%
Savings			152,889				0.10	%			143,575				0.10	%
Certificates of deposit			134,478				1.17	%			117,366				0.85	%
Individual Retirement Accounts			91,587				0.52	%			97,519				0.45	%
Other time deposits			995				0.10	%			1,014				0.10	%
Total interest-bearing deposits			778,422				0.48	%			760,723				0.32	%
Borrowed funds:
Short-term			25,226				1.45	%			23,761				0.90	%
Long-term			25,209				2.21	%			35,658				3.64	%
Total borrowed funds			50,435				1.83	%			59,419				2.54	%
Total Interest-bearing Liabilities			828,857				0.56	%			820,142				0.48	%
Demand deposits			249,409								230,194
Other liabilities			9,979								8,465
Total Liabilities			1,088,245								1,058,801
Stockholders' equity, excluding accumulated other comprehensive income/loss			194,333								188,756
Accumulated other comprehensive income/loss			(6,438	)							202
Total Shareholders' Equity			187,895								188,958
Total Liabilities and Shareholders' Equity		$	1,276,140							$	1,247,759
Interest Rate Spread							3.72	%							3.68	%
Net Interest Income/Earning Assets							3.90	%							3.82	%
Total Deposits (Interest-bearing and Demand)		$	1,027,831							$	990,917

(1) Rates of return on tax-exempt securities and loans are presented on a fully taxable-equivalent basis, using the Corporation's marginal federal income tax rate of 21% in 2018 and 35% in 2017.

(2) Nonaccrual loans have been included with loans for the purpose of analyzing net interest earnings.

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COMPARISON OF NONINTEREST INCOME
(In Thousands)		Three Months Ended												Years Ended
		Dec. 31,				Sept. 30,				Dec. 31,				Dec. 31,				Dec. 31,
		2018				2018				2017				2018				2017
Trust and financial management revenue		$	1,463			$	1,427			$	1,430			$	5,838			$	5,399
Brokerage revenue			300				235				246				1,018				797
Insurance commissions, fees and premiums			33				15				17				105				115
Service charges on deposit accounts			1,334				1,331				1,161				5,171				4,560
Service charges and fees			80				95				82				343				345
Interchange revenue from debit card transactions			666				660				572				2,546				2,221
Net gains from sales of loans			168				164				167				682				818
Loan servicing fees, net			84				74				82				347				244
Increase in cash surrender value of life insurance			99				100				98				394				379
Other noninterest income			813				361				262				2,153				1,275
Total noninterest income, excluding realized gains (losses) on securities, net		$	5,040			$	4,462			$	4,117			$	18,597			$	16,153

COMPARISON OF NONINTEREST EXPENSE
(In Thousands)		Three Months Ended												Years Ended
		Dec. 31,				Sept. 30,				Dec. 31,				Dec. 31,				Dec. 31,
		2018				2018				2017				2018				2017
Salaries and wages		$	4,611			$	4,263			$	3,981			$	17,191			$	15,806
Pensions and other employee benefits			1,212				1,237				1,478				5,259				5,348
Occupancy expense, net			599				648				582				2,497				2,340
Furniture and equipment expense			295				317				331				1,196				1,299
Data processing expenses			748				667				621				2,750				2,406
Automated teller machine and interchange expense			316				347				339				1,304				1,284
Pennsylvania shares tax			320				326				321				1,318				1,329
Professional fees			280				305				273				1,140				872
Telecommunications			181				177				166				748				575
Directors' fees			157				197				172				706				720
Other noninterest expense			1,355				1,349				1,137				5,377				4,988
Total noninterest expense		$	10,074			$	9,833			$	9,401			$	39,486			$	36,967

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