Call reports 2006
JUNIATA VALLEY BANK, THE — 2006
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 408,877,000 | 406,152,000 | 413,773,000 | 408,656,000 |
| Total loans | 302,434,000 | 303,301,000 | 308,418,000 | 305,817,000 |
| Allowance for loan losses | 2,780,000 | 2,764,000 | 2,793,000 | 2,572,000 |
| Securities available for sale | 61,599,000 | 57,361,000 | 57,488,000 | 52,436,000 |
| Securities held to maturity | 8,594,000 | 8,597,000 | 8,599,000 | 2,500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,951,000 | 342,861,000 | 359,082,000 | 355,505,000 |
| Interest-bearing deposits | 325,048,000 | 302,015,000 | 315,545,000 | 312,339,000 |
| Noninterest-bearing deposits | 16,903,000 | 40,846,000 | 43,537,000 | 43,166,000 |
| Equity capital | 42,112,000 | 42,611,000 | 39,819,000 | 39,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,882,000 | 11,926,000 | 18,118,000 | 24,492,000 |
| Interest expense | 2,333,000 | 4,816,000 | 7,422,000 | 10,110,000 |
| Net interest income | 3,549,000 | 7,110,000 | 10,696,000 | 14,382,000 |
| Noninterest income | 804,000 | 1,704,000 | 2,651,000 | 3,568,000 |
| Noninterest expense | 2,711,000 | 5,429,000 | 8,254,000 | 11,136,000 |
| Provision for loan losses | 30,000 | 60,000 | 89,000 | 54,000 |
| Pretax income | 1,612,000 | 3,325,000 | 5,004,000 | 6,865,000 |
| Income tax | 456,000 | 956,000 | 1,429,000 | 2,013,000 |
| Net income | 1,156,000 | 2,369,000 | 3,575,000 | 4,852,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,822,000 | 43,327,000 | 37,750,000 | 38,285,000 |
| Total capital | 45,697,000 | 46,186,000 | 40,650,000 | 40,929,000 |
| Risk-weighted assets | 276,338,000 | 277,708,000 | 283,275,000 | 282,038,000 |
Machine access — free, no API key
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