Call reports 2014
JUNIATA VALLEY BANK, THE — 2014
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 446,804,000 | 473,098,000 | 477,508,000 | 475,242,000 |
| Total loans | 275,983,000 | 278,344,000 | 287,441,000 | 294,901,000 |
| Allowance for loan losses | 2,300,000 | 2,358,000 | 2,336,000 | 2,380,000 |
| Securities available for sale | 123,343,000 | 152,995,000 | 148,847,000 | 141,677,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 392,749,000 | 393,515,000 | 386,141,000 | 381,032,000 |
| Interest-bearing deposits | 311,720,000 | 315,192,000 | 309,824,000 | 303,187,000 |
| Noninterest-bearing deposits | 81,029,000 | 78,323,000 | 76,317,000 | 77,845,000 |
| Equity capital | 44,903,000 | 45,677,000 | 45,459,000 | 44,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,028,000 | 8,346,000 | 12,564,000 | 16,900,000 |
| Interest expense | 627,000 | 1,310,000 | 1,970,000 | 2,598,000 |
| Net interest income | 3,401,000 | 7,036,000 | 10,594,000 | 14,302,000 |
| Noninterest income | 897,000 | 1,979,000 | 3,001,000 | 4,066,000 |
| Noninterest expense | 3,323,000 | 6,641,000 | 9,940,000 | 13,416,000 |
| Provision for loan losses | 20,000 | 137,000 | 247,000 | 357,000 |
| Pretax income | 960,000 | 2,244,000 | 3,417,000 | 4,604,000 |
| Income tax | 72,000 | 205,000 | 350,000 | 500,000 |
| Net income | 888,000 | 2,039,000 | 3,067,000 | 4,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,172,000 | 44,422,000 | 44,555,000 | 44,688,000 |
| Total capital | 46,539,000 | 46,852,000 | 46,954,000 | 47,145,000 |
| Risk-weighted assets | 284,589,000 | 292,802,000 | 298,066,000 | 302,274,000 |