Call reports 2018
JUNIATA VALLEY BANK, THE — 2018
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 589,526,000 | 630,731,000 | 619,903,000 | 623,980,000 |
| Total loans | 389,180,000 | 421,711,000 | 418,075,000 | 417,631,000 |
| Allowance for loan losses | 3,035,000 | 3,058,000 | 3,038,000 | 3,034,000 |
| Securities available for sale | 147,395,000 | 142,983,000 | 138,397,000 | 141,699,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,208,000 | 532,712,000 | 529,940,000 | 521,770,000 |
| Interest-bearing deposits | 368,559,000 | 410,338,000 | 406,077,000 | 395,665,000 |
| Noninterest-bearing deposits | 120,649,000 | 122,374,000 | 123,863,000 | 126,105,000 |
| Equity capital | 51,140,000 | 63,409,000 | 64,232,000 | 65,909,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 5,433,000 | 11,372,000 | 17,486,000 | 23,606,000 |
| Interest expense | 794,000 | 1,684,000 | 2,634,000 | 3,635,000 |
| Net interest income | 4,639,000 | 9,688,000 | 14,852,000 | 19,971,000 |
| Noninterest income | 1,126,000 | 2,354,000 | 3,651,000 | 4,980,000 |
| Noninterest expense | 4,349,000 | 9,172,000 | 14,134,000 | 19,232,000 |
| Provision for loan losses | 158,000 | 199,000 | 231,000 | 337,000 |
| Pretax income | 1,238,000 | 2,648,000 | 4,110,000 | 5,167,000 |
| Income tax | -78,000 | -72,000 | -97,000 | -312,000 |
| Net income | 1,316,000 | 2,720,000 | 4,207,000 | 5,479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,418,000 | 58,145,000 | 59,500,000 | 59,388,000 |
| Total capital | 52,494,000 | 61,203,000 | 62,538,000 | 62,422,000 |
| Risk-weighted assets | 400,527,000 | 419,147,000 | 421,782,000 | 402,777,000 |