Call reports 2010
JUNIATA VALLEY BANK, THE — 2010
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 433,199,000 | 438,375,000 | 426,394,000 | 430,064,000 |
| Total loans | 311,663,000 | 308,075,000 | 304,260,000 | 298,102,000 |
| Allowance for loan losses | 2,863,000 | 2,980,000 | 2,811,000 | 2,824,000 |
| Securities available for sale | 72,800,000 | 78,975,000 | 76,817,000 | 77,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 374,923,000 | 379,698,000 | 372,713,000 | 376,844,000 |
| Interest-bearing deposits | 319,873,000 | 324,471,000 | 318,662,000 | 316,094,000 |
| Noninterest-bearing deposits | 55,050,000 | 55,227,000 | 54,051,000 | 60,750,000 |
| Equity capital | 44,963,000 | 44,790,000 | 45,039,000 | 44,175,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,544,000 | 10,970,000 | 16,297,000 | 21,534,000 |
| Interest expense | 1,558,000 | 2,945,000 | 4,264,000 | 5,502,000 |
| Net interest income | 3,986,000 | 8,025,000 | 12,033,000 | 16,032,000 |
| Noninterest income | 955,000 | 1,900,000 | 2,815,000 | 3,693,000 |
| Noninterest expense | 3,114,000 | 6,359,000 | 9,490,000 | 12,601,000 |
| Provision for loan losses | 285,000 | 567,000 | 637,000 | 741,000 |
| Pretax income | 1,554,000 | 3,026,000 | 4,752,000 | 6,414,000 |
| Income tax | 395,000 | 747,000 | 1,194,000 | 1,609,000 |
| Net income | 1,159,000 | 2,279,000 | 3,558,000 | 4,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,281,000 | 43,019,000 | 43,275,000 | 43,354,000 |
| Total capital | 46,158,000 | 46,009,000 | 46,086,000 | 46,196,000 |
| Risk-weighted assets | 274,747,000 | 274,939,000 | 267,221,000 | 264,639,000 |
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