Call reports 2025
JUNIATA VALLEY BANK, THE — 2025
What JUNIATA VALLEY BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 853,162,000 | 867,436,000 | 879,612,000 | 895,480,000 |
| Total loans | 538,971,000 | 556,319,000 | 577,722,000 | 601,378,000 |
| Allowance for loan losses | 6,278,000 | 6,622,000 | 6,834,000 | 7,083,000 |
| Securities available for sale | 64,772,000 | 64,231,000 | 61,460,000 | 55,600,000 |
| Securities held to maturity | 189,634,000 | 187,174,000 | 184,557,000 | 182,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 748,800,000 | 759,396,000 | 775,658,000 | 781,873,000 |
| Interest-bearing deposits | 549,932,000 | 566,678,000 | 568,159,000 | 571,934,000 |
| Noninterest-bearing deposits | 198,868,000 | 192,718,000 | 207,499,000 | 209,939,000 |
| Equity capital | 49,245,000 | 51,424,000 | 54,043,000 | 56,392,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,188,000 | 18,703,000 | 28,693,000 | 38,928,000 |
| Interest expense | 3,371,000 | 6,728,000 | 10,168,000 | 13,616,000 |
| Net interest income | 5,817,000 | 11,975,000 | 18,525,000 | 25,312,000 |
| Noninterest income | 1,374,000 | 2,811,000 | 4,264,000 | 5,638,000 |
| Noninterest expense | 4,658,000 | 9,648,000 | 15,059,000 | 20,672,000 |
| Provision for loan losses | 104,000 | 453,000 | 669,000 | 923,000 |
| Pretax income | 2,436,000 | 4,707,000 | 7,122,000 | 9,434,000 |
| Income tax | 384,000 | 721,000 | 1,079,000 | 1,408,000 |
| Net income | 2,052,000 | 3,986,000 | 6,043,000 | 8,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,222,000 | 72,104,000 | 73,110,000 | 74,042,000 |
| Total capital | 77,500,000 | 78,726,000 | 79,944,000 | 81,125,000 |
| Risk-weighted assets | 595,265,000 | 610,369,000 | 614,912,000 | 647,260,000 |