Call reports 2012
JUNIATA VALLEY BANK, THE — 2012
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 448,176,000 | 456,853,000 | 450,201,000 | 444,292,000 |
| Total loans | 285,401,000 | 280,441,000 | 278,456,000 | 277,500,000 |
| Allowance for loan losses | 3,883,000 | 3,932,000 | 3,420,000 | 3,281,000 |
| Securities available for sale | 113,058,000 | 123,326,000 | 123,774,000 | 121,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 394,656,000 | 402,915,000 | 393,776,000 | 386,982,000 |
| Interest-bearing deposits | 325,222,000 | 337,423,000 | 327,229,000 | 315,434,000 |
| Noninterest-bearing deposits | 69,434,000 | 65,492,000 | 66,547,000 | 71,548,000 |
| Equity capital | 43,222,000 | 43,651,000 | 44,862,000 | 45,285,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,700,000 | 9,294,000 | 13,748,000 | 18,130,000 |
| Interest expense | 972,000 | 1,897,000 | 2,794,000 | 3,648,000 |
| Net interest income | 3,728,000 | 7,397,000 | 10,954,000 | 14,482,000 |
| Noninterest income | 983,000 | 2,117,000 | 3,308,000 | 4,341,000 |
| Noninterest expense | 3,229,000 | 6,406,000 | 9,667,000 | 12,998,000 |
| Provision for loan losses | 1,108,000 | 1,177,000 | 1,237,000 | 1,411,000 |
| Pretax income | 374,000 | 1,933,000 | 3,360,000 | 4,416,000 |
| Income tax | -1,000 | 368,000 | 708,000 | 931,000 |
| Net income | 375,000 | 1,565,000 | 2,652,000 | 3,485,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,218,000 | 43,494,000 | 44,600,000 | 44,519,000 |
| Total capital | 46,719,000 | 46,960,000 | 48,035,000 | 47,812,000 |
| Risk-weighted assets | 278,188,000 | 275,575,000 | 280,365,000 | 284,746,000 |