| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 5,975 | 3,919 |
| Provision for credit losses | 669 | 453 |
| Depreciation | 593 | 394 |
| Net amortization of securities premiums | -80 | -59 |
| Net amortization of loan origination costs | -75 | 54 |
| Deferred net loan origination costs | 494 | 330 |
| Amortization of intangibles | 51 | 35 |
| Amortization of investment in low income housing partnerships | 241 | 161 |
| Net amortization of purchase fair value adjustments | 25 | -18 |
| Change in value of equity securities | 76 | 12 |
| Earnings on bank owned life insurance and annuities | 190 | 119 |
| Deferred income tax expense (benefit) | -4 | 11 |
| Stock-based compensation expense | 115 | 75 |
| Mortgage servicing right adjustment | -7 | -4 |
| Gain from life insurance proceeds | 20 | 20 |
| (increase) decrease in accrued interest receivable and other assets | -156 | -31 |
| Decrease in accrued interest payable and other liabilities | 926 | -1,192 |
| Net cash provided by operating activities | 7,817 | 3,335 |
| Restricted stock | 5 | 0 |
| Premises and equipment | 382 | 188 |
| Bank owned life insurance | 890 | 890 |
| Bank owned life insurance premium and annuity payments | 23 | 9 |
| Redemption of equity securities | 46 | 46 |
| Maturities of and principal repayments on securities available for sale | 5,649 | 2,006 |
| Maturities of and principal repayments on securities held to maturity | 10,526 | 6,733 |
| Redemption of fhlb stock | 27 | 247 |
| Life insurance claims | 347 | 243 |
| Sale of fixed assets | 4 | 4 |
| Sale of other assets | 0 | - |
| Net increase in loans | 43,477 | 22,063 |
| Net cash used in investing activities | -28,178 | -13,871 |
| Net increase (decrease) in deposits | 27,621 | 11,350 |
| Net increase in short-term borrowings and securities sold under agreements to repurchase | 502 | 7,478 |
| Repayment of long-term debt | 5,000 | 5,000 |
| Cash dividends | 3,308 | 2,205 |
| Purchase of treasury stock | 4 | 4 |
| Treasury stock issued for employee stock plans | 30 | 30 |
| Net cash provided by (used in) financing activities | 19,841 | 11,649 |
| Net increase (decrease) in cash and cash equivalents | -520 | 1,113 |
| Cash and cash equivalents at beginning of period | 10,998 | - |
| Cash and cash equivalents at end of period | 10,478 | - |
JUNIATA VALLEY FINANCIAL CORP (JUVF)
JUNIATA VALLEY FINANCIAL CORP (JUVF)