| Balance Sheets | 2025-09-30 | 2025-06-30 | ||
|---|---|---|---|---|
| Cash and due from banks | 5,585 | 4,874 | ||
| Interest bearing deposits with banks | 4,893 | 7,237 | ||
| Cash and cash equivalents | 10,478 | 12,111 | ||
| Equity securities | 1,218 | 1,154 | ||
| Debt securities available for sale | 61,460 | 64,231 | ||
| Debt securities held to maturity (fair value 182,845 and 182,773, respectively) | 184,557 | 187,174 | ||
| Restricted investment in bank stock | 2,508 | 2,283 | ||
| Total loans | 577,722 | 556,319 | ||
| Less allowance for credit losses | 6,834 | 6,622 | ||
| Total loans, net of allowance for credit losses | 570,888 | 549,697 | ||
| Premises and equipment, net | 9,171 | 9,177 | ||
| Bank owned life insurance and annuities | 15,990 | 16,009 | ||
| Investment in low income housing partnerships | 591 | 671 | ||
| Core deposit and other intangible assets | 207 | 223 | ||
| Goodwill | 9,812 | 9,812 | ||
| Mortgage servicing rights | 62 | 65 | ||
| Deferred tax asset, net | 8,547 | 9,004 | ||
| Accrued interest receivable and other assets | 4,978 | 4,823 | ||
| Total assets | 880,467 | 866,434 | ||
| Non-interest bearing | 207,419 | 192,629 | ||
| Interest bearing | 568,159 | 566,678 | ||
| Total deposits | 775,578 | 759,307 | ||
| Short-term borrowings and repurchase agreements | 42,744 | 49,720 | ||
| Long-term debt | 0 | 0 | ||
| Other interest bearing liabilities | 713 | 776 | ||
| Accrued interest payable and other liabilities | 6,431 | 4,250 | ||
| Total liabilities | 825,466 | 814,053 | ||
| Preferred stock, no par value authorized - 500,000 shares, none issued | 0 | 0 | ||
| Common stock, par value 1.00 per share authorized 20,000,000 shares issued - 5,151,279 shares at june 30, 2025 and december 31, 2024 outstanding - 5,018,799 shares at june 30, 2025 and 5,003,384 shares at december 31, 2024 | 5,151 | 5,151 | ||
| Surplus | 24,781 | 24,741 | ||
| Retained earnings | 55,793 | 54,840 | ||
| Accumulated other comprehensive loss | -28,584 | -30,211 | ||
| Cost of common stock in treasury 132,480 shares at june 30, 2025 147,895 shares at december 31, 2024 | 2,140 | 2,140 | ||
| Total stockholders' equity | 55,001 | 52,381 | ||
| Total liabilities and stockholders' equity | 880,467 | 866,434 | ||
JUNIATA VALLEY FINANCIAL CORP (JUVF)
JUNIATA VALLEY FINANCIAL CORP (JUVF)