Call reports 2023
JUNIATA VALLEY BANK, THE — 2023
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 830,726,000 | 844,559,000 | 861,861,000 | 870,922,000 |
| Total loans | 488,497,000 | 505,184,000 | 514,132,000 | 525,394,000 |
| Allowance for loan losses | 5,374,000 | 5,442,000 | 5,586,000 | 5,677,000 |
| Securities available for sale | 72,485,000 | 69,098,000 | 66,527,000 | 67,564,000 |
| Securities held to maturity | 207,637,000 | 205,208,000 | 202,646,000 | 200,644,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 724,320,000 | 740,087,000 | 757,613,000 | 749,195,000 |
| Interest-bearing deposits | 524,214,000 | 544,677,000 | 556,824,000 | 552,018,000 |
| Noninterest-bearing deposits | 200,106,000 | 195,410,000 | 200,789,000 | 197,177,000 |
| Equity capital | 36,565,000 | 35,983,000 | 37,144,000 | 40,368,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,748,000 | 15,883,000 | 24,404,000 | 33,136,000 |
| Interest expense | 1,984,000 | 4,465,000 | 7,310,000 | 10,489,000 |
| Net interest income | 5,764,000 | 11,418,000 | 17,094,000 | 22,647,000 |
| Noninterest income | 1,228,000 | 2,649,000 | 3,900,000 | 5,312,000 |
| Noninterest expense | 4,732,000 | 10,123,000 | 14,853,000 | 19,813,000 |
| Provision for loan losses | 243,000 | 290,000 | 411,000 | 500,000 |
| Pretax income | 2,000,000 | 3,625,000 | 5,762,000 | 7,657,000 |
| Income tax | 252,000 | 420,000 | 739,000 | 994,000 |
| Net income | 1,748,000 | 3,205,000 | 5,023,000 | 6,663,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,949,000 | 68,183,000 | 69,021,000 | 69,305,000 |
| Total capital | 74,323,000 | 73,625,000 | 74,607,000 | 74,982,000 |
| Risk-weighted assets | 562,815,000 | 559,443,000 | 570,904,000 | 591,209,000 |