Call reports 2013
JUNIATA VALLEY BANK, THE — 2013
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 444,052,000 | 444,908,000 | 451,809,000 | 443,801,000 |
| Total loans | 272,488,000 | 275,644,000 | 282,782,000 | 277,798,000 |
| Allowance for loan losses | 2,315,000 | 2,375,000 | 2,467,000 | 2,287,000 |
| Securities available for sale | 128,068,000 | 128,046,000 | 127,085,000 | 124,920,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,713,000 | 390,861,000 | 384,094,000 | 380,010,000 |
| Interest-bearing deposits | 317,954,000 | 319,873,000 | 310,443,000 | 305,034,000 |
| Noninterest-bearing deposits | 70,759,000 | 70,988,000 | 73,651,000 | 74,976,000 |
| Equity capital | 45,309,000 | 43,933,000 | 43,619,000 | 44,589,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,137,000 | 8,303,000 | 12,521,000 | 16,707,000 |
| Interest expense | 763,000 | 1,504,000 | 2,224,000 | 2,901,000 |
| Net interest income | 3,374,000 | 6,799,000 | 10,297,000 | 13,806,000 |
| Noninterest income | 1,048,000 | 2,060,000 | 3,046,000 | 4,037,000 |
| Noninterest expense | 3,033,000 | 6,325,000 | 9,653,000 | 13,045,000 |
| Provision for loan losses | 80,000 | 166,000 | 266,000 | 415,000 |
| Pretax income | 1,310,000 | 2,369,000 | 3,424,000 | 4,381,000 |
| Income tax | 332,000 | 393,000 | 451,000 | 482,000 |
| Net income | 978,000 | 1,976,000 | 2,973,000 | 3,899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,586,000 | 44,675,000 | 44,167,000 | 44,185,000 |
| Total capital | 46,933,000 | 47,089,000 | 46,675,000 | 46,530,000 |
| Risk-weighted assets | 277,448,000 | 282,305,000 | 289,250,000 | 284,666,000 |