Call reports 2016
JUNIATA VALLEY BANK, THE — 2016
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 569,670,000 | 567,119,000 | 570,848,000 | 574,019,000 |
| Total loans | 378,506,000 | 378,106,000 | 377,279,000 | 378,297,000 |
| Allowance for loan losses | 2,554,000 | 2,572,000 | 2,688,000 | 2,723,000 |
| Securities available for sale | 144,535,000 | 142,115,000 | 148,139,000 | 148,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,279,000 | 467,164,000 | 463,408,000 | 455,917,000 |
| Interest-bearing deposits | 358,173,000 | 361,851,000 | 358,847,000 | 351,815,000 |
| Noninterest-bearing deposits | 108,106,000 | 105,313,000 | 104,561,000 | 104,102,000 |
| Equity capital | 55,758,000 | 55,690,000 | 55,899,000 | 52,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,176,000 | 10,236,000 | 15,275,000 | 20,410,000 |
| Interest expense | 557,000 | 1,104,000 | 1,665,000 | 2,268,000 |
| Net interest income | 4,619,000 | 9,132,000 | 13,610,000 | 18,142,000 |
| Noninterest income | 1,135,000 | 2,288,000 | 3,742,000 | 4,829,000 |
| Noninterest expense | 4,065,000 | 8,459,000 | 12,706,000 | 16,806,000 |
| Provision for loan losses | 121,000 | 234,000 | 366,000 | 466,000 |
| Pretax income | 1,568,000 | 2,773,000 | 4,332,000 | 5,751,000 |
| Income tax | 270,000 | 419,000 | 558,000 | 772,000 |
| Net income | 1,298,000 | 2,354,000 | 3,774,000 | 4,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,977,000 | 48,627,000 | 49,120,000 | 48,217,000 |
| Total capital | 51,662,000 | 51,288,000 | 51,912,000 | 51,102,000 |
| Risk-weighted assets | 363,624,000 | 371,482,000 | 370,905,000 | 375,661,000 |