Call reports 2017
JUNIATA VALLEY BANK, THE — 2017
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 586,669,000 | 596,795,000 | 594,549,000 | 586,333,000 |
| Total loans | 383,822,000 | 392,347,000 | 382,733,000 | 383,903,000 |
| Allowance for loan losses | 2,805,000 | 2,876,000 | 2,907,000 | 2,939,000 |
| Securities available for sale | 155,697,000 | 152,410,000 | 158,023,000 | 152,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 472,148,000 | 476,999,000 | 474,669,000 | 478,749,000 |
| Interest-bearing deposits | 360,720,000 | 368,246,000 | 363,704,000 | 361,756,000 |
| Noninterest-bearing deposits | 111,428,000 | 108,753,000 | 110,965,000 | 116,993,000 |
| Equity capital | 52,940,000 | 53,635,000 | 53,812,000 | 52,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 5,166,000 | 10,502,000 | 15,953,000 | 21,331,000 |
| Interest expense | 626,000 | 1,329,000 | 2,081,000 | 2,855,000 |
| Net interest income | 4,540,000 | 9,173,000 | 13,872,000 | 18,476,000 |
| Noninterest income | 1,053,000 | 2,304,000 | 3,454,000 | 4,620,000 |
| Noninterest expense | 4,229,000 | 8,455,000 | 12,840,000 | 17,624,000 |
| Provision for loan losses | 105,000 | 240,000 | 389,000 | 439,000 |
| Pretax income | 1,455,000 | 2,978,000 | 4,296,000 | 5,231,000 |
| Income tax | 225,000 | 470,000 | 597,000 | 1,187,000 |
| Net income | 1,230,000 | 2,508,000 | 3,699,000 | 4,044,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,432,000 | 48,725,000 | 48,930,000 | 49,026,000 |
| Total capital | 51,319,000 | 51,690,000 | 51,927,000 | 52,009,000 |
| Risk-weighted assets | 384,670,000 | 391,080,000 | 393,310,000 | 392,934,000 |