Call reports 2020
JUNIATA VALLEY BANK, THE — 2020
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 672,673,000 | 767,482,000 | 774,144,000 | 792,722,000 |
| Total loans | 390,014,000 | 420,596,000 | 420,754,000 | 422,661,000 |
| Allowance for loan losses | 3,333,000 | 3,558,000 | 3,924,000 | 4,094,000 |
| Securities available for sale | 200,386,000 | 285,627,000 | 296,848,000 | 286,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,017,000 | 594,919,000 | 600,639,000 | 623,011,000 |
| Interest-bearing deposits | 402,725,000 | 434,153,000 | 441,014,000 | 454,751,000 |
| Noninterest-bearing deposits | 139,292,000 | 160,766,000 | 159,625,000 | 168,260,000 |
| Equity capital | 76,117,000 | 75,614,000 | 75,596,000 | 75,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,123,000 | 12,193,000 | 18,397,000 | 24,237,000 |
| Interest expense | 1,129,000 | 2,099,000 | 3,082,000 | 4,037,000 |
| Net interest income | 4,994,000 | 10,094,000 | 15,315,000 | 20,200,000 |
| Noninterest income | 1,139,000 | 2,126,000 | 3,309,000 | 4,519,000 |
| Noninterest expense | 4,712,000 | 9,455,000 | 14,354,000 | 19,128,000 |
| Provision for loan losses | 356,000 | 552,000 | 639,000 | 721,000 |
| Pretax income | 1,011,000 | 2,714,000 | 4,399,000 | 5,684,000 |
| Income tax | -131,000 | -63,000 | 0 | -17,000 |
| Net income | 1,142,000 | 2,777,000 | 4,399,000 | 5,701,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,801,000 | 63,013,000 | 62,751,000 | 63,074,000 |