Call reports 2007
JUNIATA VALLEY BANK, THE — 2007
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 418,875,000 | 417,707,000 | 421,190,000 | 412,644,000 |
| Total loans | 300,123,000 | 301,036,000 | 298,396,000 | 298,000,000 |
| Allowance for loan losses | 2,598,000 | 2,526,000 | 2,362,000 | 2,322,000 |
| Securities available for sale | 61,005,000 | 68,836,000 | 76,032,000 | 63,003,000 |
| Securities held to maturity | 6,455,000 | 3,955,000 | 3,955,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,793,000 | 365,156,000 | 366,067,000 | 359,692,000 |
| Interest-bearing deposits | 316,882,000 | 319,763,000 | 318,921,000 | 310,702,000 |
| Noninterest-bearing deposits | 44,911,000 | 45,393,000 | 47,146,000 | 48,990,000 |
| Equity capital | 40,085,000 | 39,064,000 | 40,054,000 | 40,725,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,403,000 | 13,060,000 | 19,811,000 | 26,538,000 |
| Interest expense | 2,668,000 | 5,444,000 | 8,305,000 | 11,060,000 |
| Net interest income | 3,735,000 | 7,616,000 | 11,506,000 | 15,478,000 |
| Noninterest income | 997,000 | 1,975,000 | 3,012,000 | 4,026,000 |
| Noninterest expense | 2,942,000 | 5,945,000 | 9,004,000 | 12,056,000 |
| Provision for loan losses | 67,000 | 90,000 | 90,000 | 120,000 |
| Pretax income | 1,723,000 | 3,515,000 | 5,406,000 | 7,310,000 |
| Income tax | 493,000 | 1,001,000 | 1,530,000 | 2,067,000 |
| Net income | 1,230,000 | 2,514,000 | 3,876,000 | 5,243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,658,000 | 37,914,000 | 38,507,000 | 38,673,000 |
| Total capital | 41,315,000 | 40,490,000 | 40,919,000 | 41,032,000 |
| Risk-weighted assets | 286,077,000 | 278,370,000 | 264,088,000 | 262,691,000 |
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