Call reports 2011
JUNIATA VALLEY BANK, THE — 2011
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 439,017,000 | 446,264,000 | 449,080,000 | 441,601,000 |
| Total loans | 297,450,000 | 292,009,000 | 292,354,000 | 289,681,000 |
| Allowance for loan losses | 2,900,000 | 2,881,000 | 2,907,000 | 2,931,000 |
| Securities available for sale | 98,823,000 | 109,886,000 | 110,306,000 | 109,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 386,513,000 | 393,680,000 | 395,156,000 | 386,703,000 |
| Interest-bearing deposits | 324,198,000 | 333,278,000 | 331,105,000 | 321,914,000 |
| Noninterest-bearing deposits | 62,315,000 | 60,402,000 | 64,052,000 | 64,789,000 |
| Equity capital | 44,060,000 | 44,605,000 | 45,048,000 | 43,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 5,079,000 | 10,106,000 | 15,071,000 | 19,989,000 |
| Interest expense | 1,184,000 | 2,381,000 | 3,550,000 | 4,592,000 |
| Net interest income | 3,895,000 | 7,725,000 | 11,521,000 | 15,397,000 |
| Noninterest income | 953,000 | 1,888,000 | 2,825,000 | 3,733,000 |
| Noninterest expense | 3,141,000 | 6,384,000 | 9,485,000 | 12,717,000 |
| Provision for loan losses | 88,000 | 204,000 | 264,000 | 364,000 |
| Pretax income | 1,624,000 | 3,031,000 | 4,603,000 | 6,055,000 |
| Income tax | 417,000 | 753,000 | 1,150,000 | 1,506,000 |
| Net income | 1,207,000 | 2,278,000 | 3,453,000 | 4,549,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,354,000 | 43,465,000 | 43,698,000 | 43,757,000 |
| Total capital | 46,276,000 | 46,359,000 | 46,605,000 | 46,692,000 |
| Risk-weighted assets | 268,061,000 | 269,808,000 | 277,105,000 | 275,072,000 |