Call reports 2019
JUNIATA VALLEY BANK, THE — 2019
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 626,554,000 | 660,794,000 | 665,871,000 | 669,402,000 |
| Total loans | 414,979,000 | 407,451,000 | 405,321,000 | 400,590,000 |
| Allowance for loan losses | 2,994,000 | 3,015,000 | 3,057,000 | 2,961,000 |
| Securities available for sale | 139,954,000 | 179,765,000 | 200,041,000 | 210,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 524,069,000 | 534,600,000 | 537,109,000 | 532,017,000 |
| Interest-bearing deposits | 395,187,000 | 411,020,000 | 401,812,000 | 397,234,000 |
| Noninterest-bearing deposits | 128,882,000 | 123,580,000 | 135,297,000 | 134,783,000 |
| Equity capital | 67,722,000 | 71,018,000 | 72,250,000 | 72,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,211,000 | 12,908,000 | 19,283,000 | 25,567,000 |
| Interest expense | 1,059,000 | 2,218,000 | 3,496,000 | 4,708,000 |
| Net interest income | 5,152,000 | 10,690,000 | 15,787,000 | 20,859,000 |
| Noninterest income | 1,142,000 | 2,335,000 | 3,772,000 | 4,974,000 |
| Noninterest expense | 4,802,000 | 10,010,000 | 15,548,000 | 20,438,000 |
| Provision for loan losses | 15,000 | -444,000 | -490,000 | -573,000 |
| Pretax income | 1,428,000 | 3,402,000 | 4,445,000 | 5,943,000 |
| Income tax | -4,000 | 94,000 | 3,000 | 22,000 |
| Net income | 1,432,000 | 3,308,000 | 4,442,000 | 5,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,907,000 | 61,865,000 | 62,484,000 | 62,900,000 |
| Total capital | 62,901,000 | 64,880,000 | 65,541,000 | 65,861,000 |
| Risk-weighted assets | 413,387,000 | 410,499,000 | 412,888,000 | 415,550,000 |