Call reports 2021
JUNIATA VALLEY BANK, THE — 2021
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 804,473,000 | 834,765,000 | 826,209,000 | 809,566,000 |
| Total loans | 437,007,000 | 431,189,000 | 411,764,000 | 418,303,000 |
| Allowance for loan losses | 4,056,000 | 3,906,000 | 3,725,000 | 3,508,000 |
| Securities available for sale | 301,076,000 | 342,030,000 | 358,308,000 | 335,424,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 669,595,000 | 708,712,000 | 707,867,000 | 708,532,000 |
| Interest-bearing deposits | 486,023,000 | 528,431,000 | 525,599,000 | 524,648,000 |
| Noninterest-bearing deposits | 183,572,000 | 180,281,000 | 182,268,000 | 183,884,000 |
| Equity capital | 71,401,000 | 72,542,000 | 71,885,000 | 70,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,821,000 | 11,829,000 | 18,019,000 | 24,510,000 |
| Interest expense | 882,000 | 1,716,000 | 2,506,000 | 3,218,000 |
| Net interest income | 4,939,000 | 10,113,000 | 15,513,000 | 21,292,000 |
| Noninterest income | 1,224,000 | 2,464,000 | 3,734,000 | 5,045,000 |
| Noninterest expense | 4,599,000 | 9,383,000 | 14,281,000 | 20,250,000 |
| Provision for loan losses | -79,000 | -279,000 | -536,000 | -769,000 |
| Pretax income | 1,680,000 | 3,566,000 | 5,593,000 | 6,932,000 |
| Income tax | 66,000 | 169,000 | 309,000 | 310,000 |
| Net income | 1,614,000 | 3,397,000 | 5,284,000 | 6,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,180,000 | 63,710,000 | 64,562,000 | 56,153,000 |
| Total capital | — | 67,616,000 | 68,287,000 | 56,153,000 |
| Risk-weighted assets | — | 517,162,000 | 517,162,000 | 507,585,000 |