Call reports 2015
JUNIATA VALLEY BANK, THE — 2015
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 467,719,000 | 481,760,000 | 483,036,000 | 578,319,000 |
| Total loans | 291,489,000 | 304,123,000 | 307,792,000 | 378,851,000 |
| Allowance for loan losses | 2,399,000 | 2,315,000 | 2,361,000 | 2,478,000 |
| Securities available for sale | 137,933,000 | 137,084,000 | 134,898,000 | 150,903,000 |
| Securities held to maturity | 0 | 0 | 0 | 15,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,146,000 | 378,884,000 | 384,563,000 | 457,227,000 |
| Interest-bearing deposits | 300,184,000 | 299,723,000 | 297,547,000 | 350,460,000 |
| Noninterest-bearing deposits | 81,962,000 | 79,161,000 | 87,016,000 | 106,767,000 |
| Equity capital | 45,039,000 | 44,540,000 | 45,014,000 | 54,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,218,000 | 8,430,000 | 12,702,000 | 17,344,000 |
| Interest expense | 565,000 | 1,061,000 | 1,540,000 | 2,042,000 |
| Net interest income | 3,653,000 | 7,369,000 | 11,162,000 | 15,302,000 |
| Noninterest income | 967,000 | 2,039,000 | 3,161,000 | 4,266,000 |
| Noninterest expense | 3,577,000 | 7,163,000 | 10,682,000 | 15,802,000 |
| Provision for loan losses | 50,000 | 162,000 | 302,000 | 502,000 |
| Pretax income | 976,000 | 2,067,000 | 3,323,000 | 3,258,000 |
| Income tax | 79,000 | 195,000 | 335,000 | 56,000 |
| Net income | 897,000 | 1,872,000 | 2,988,000 | 3,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,292,000 | 42,405,000 | 42,447,000 | 48,861,000 |
| Total capital | 44,771,000 | 44,812,000 | 44,866,000 | 51,491,000 |
| Risk-weighted assets | 283,392,000 | 295,290,000 | 303,971,000 | 364,823,000 |