Call reports 2022
JUNIATA VALLEY BANK, THE — 2022
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 807,415,000 | 816,737,000 | 814,379,000 | 829,946,000 |
| Total loans | 412,575,000 | 441,079,000 | 462,430,000 | 484,512,000 |
| Allowance for loan losses | 3,576,000 | 3,813,000 | 3,905,000 | 4,027,000 |
| Securities available for sale | 331,043,000 | 303,627,000 | 287,251,000 | 73,536,000 |
| Securities held to maturity | 0 | 0 | 0 | 209,565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 720,939,000 | 719,966,000 | 717,923,000 | 711,571,000 |
| Interest-bearing deposits | 530,172,000 | 523,534,000 | 515,341,000 | 512,381,000 |
| Noninterest-bearing deposits | 190,767,000 | 196,432,000 | 202,582,000 | 199,190,000 |
| Equity capital | 55,724,000 | 45,389,000 | 33,931,000 | 35,961,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 6,529,000 | 13,230,000 | 20,096,000 | 27,512,000 |
| Interest expense | 593,000 | 1,284,000 | 2,155,000 | 3,422,000 |
| Net interest income | 5,936,000 | 11,946,000 | 17,941,000 | 24,090,000 |
| Noninterest income | 1,306,000 | 3,820,000 | 5,537,000 | 6,774,000 |
| Noninterest expense | 4,843,000 | 9,840,000 | 14,773,000 | 19,831,000 |
| Provision for loan losses | 28,000 | 250,000 | 350,000 | 455,000 |
| Pretax income | 2,352,000 | 4,555,000 | 6,857,000 | 9,099,000 |
| Income tax | 215,000 | 403,000 | 522,000 | 676,000 |
| Net income | 2,137,000 | 4,152,000 | 6,335,000 | 8,423,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,523,000 | 66,965,000 | 68,087,000 | 69,116,000 |
| Total capital | 57,523,000 | 69,019,000 | 71,992,000 | 73,143,000 |
| Risk-weighted assets | 513,155,000 | 531,351,000 | 531,571,000 | 562,287,000 |