Call reports 2008
JUNIATA VALLEY BANK, THE — 2008
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 418,281,000 | 426,424,000 | 432,089,000 | 422,560,000 |
| Total loans | 300,765,000 | 308,837,000 | 317,093,000 | 315,132,000 |
| Allowance for loan losses | 2,340,000 | 2,412,000 | 2,541,000 | 2,610,000 |
| Securities available for sale | 56,732,000 | 72,554,000 | 69,767,000 | 62,280,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,906,000 | 370,811,000 | 364,058,000 | 357,224,000 |
| Interest-bearing deposits | 313,971,000 | 319,999,000 | 311,727,000 | 302,830,000 |
| Noninterest-bearing deposits | 49,935,000 | 50,812,000 | 52,331,000 | 54,394,000 |
| Equity capital | 41,253,000 | 41,505,000 | 42,727,000 | 42,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,326,000 | 12,578,000 | 18,897,000 | 25,117,000 |
| Interest expense | 2,481,000 | 4,801,000 | 7,024,000 | 9,057,000 |
| Net interest income | 3,845,000 | 7,777,000 | 11,873,000 | 16,060,000 |
| Noninterest income | 1,076,000 | 2,312,000 | 3,366,000 | 4,352,000 |
| Noninterest expense | 3,018,000 | 5,911,000 | 8,986,000 | 11,898,000 |
| Provision for loan losses | 32,000 | 144,000 | 291,000 | 421,000 |
| Pretax income | 1,871,000 | 4,062,000 | 5,990,000 | 8,121,000 |
| Income tax | 518,000 | 1,077,000 | 1,593,000 | 2,188,000 |
| Net income | 1,353,000 | 2,985,000 | 4,397,000 | 5,933,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,764,000 | 39,636,000 | 40,886,000 | 41,581,000 |
| Total capital | 41,146,000 | 42,048,000 | 43,448,000 | 44,191,000 |
| Risk-weighted assets | 263,907,000 | 265,324,000 | 272,445,000 | 269,866,000 |
Machine access — free, no API key
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