For the year ending 2025-12-31, JUVF had $450K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Interest income | 38,975 |
| Other revenues | 5,769 |
| Total consolidated revenues | 44,744 |
| Interest expense | 13,617 |
| Segment net interest income and noninterest income | 31,127 |
| Provision for credit losses | 923 |
| Employee compensation and benefits expense | 11,292 |
| Other segment items | 9,539 |
| Income tax expense (benefit) | 1,390 |
| Net income | 7,983 |
| Provision for credit losses | 923 |
| Depreciation | 798 |
| Net amortization of securities premiums | -92 |
| Net amortization of loan origination costs | -89 |
| Deferred net loan origination costs | 680 |
| Amortization of intangibles | 68 |
| Amortization of investment in low-income housing partnerships | 322 |
| Net amortization of purchase fair value adjustments | -34 |
| Change in value of equity securities | 131 |
| Earnings on bank owned life insurance and annuities | 263 |
| Deferred income tax (benefit) expense | -29 |
| Stock-based compensation expense | 154 |
| Mortgage servicing right adjustment | -9 |
| Gain from life insurance proceeds | 30 |
| Decrease in accrued interest receivable and other assets | 865 |
| Increase in accrued interest payable and other liabilities | -33 |
| Net cash provided by operating activities | 10,103 |
| Restricted stock | 0 |
| Premises and equipment | 621 |
| Bank owned life insurance | 890 |
| Bank owned life insurance premium and annuity payments | 26 |
| Redemption of equity securities | 46 |
| Maturities of and principal repayments on securities available for sale | 12,151 |
| Maturities of and principal repayments on securities held to maturity | 14,042 |
| Redemption of restricted stock | 8 |
| Life insurance claims | 476 |
| Sale of fixed assets | 50 |
| Sale of other assets | 0 |
| Net increase in loans | 66,908 |
| Net cash (used in) provided by investing activities | -41,772 |
| Net increase (decrease) in deposits | 33,842 |
| Net increase (decrease) in short-term borrowings and securities sold under agreements to repurchase | 7,664 |
| Repayment of long-term debt | 5,000 |
| Cash dividends | 4,413 |
| Purchase of treasury stock | 4 |
| Treasury stock issued for employee stock plans | 30 |
| Net cash provided by (used in) financing activities | 32,119 |
| Net increase (decrease) in cash and cash equivalents | 450 |
| Cash and cash equivalents at beginning of year | 10,998 |
| Cash and cash equivalents at end of period | 11,448 |
JUNIATA VALLEY FINANCIAL CORP (JUVF)
JUNIATA VALLEY FINANCIAL CORP (JUVF)