JUNIATA VALLEY FINANCIAL CORP (JUVF)
2025-06-30 | 2025-03-31 | 2024-09-30 | 2024-06-30 | |
|---|---|---|---|---|
| Non-interest income-Fees Derived From Loan Activity | 158 | - | - | - |
| Non-interest income-Investment Advisory Management And Administrative Service | 69 | - | - | - |
| Non-interest income-Fiduciary And Trust | 112 | - | - | - |
| Non-interest income-Debit Card | 450 | - | - | - |
| Non-interest income-Bank Servicing | 466 | - | - | - |
| Other non-interest income | 100 | 88 | 105 | 58 |
| Change in value of equity securities | 40 | -28 | - | - |
| Earnings on bank-owned life insurance and annuities | 62 | 57 | 60 | 58 |
| Gain from life insurance proceeds | 20 | - | - | - |
| Non-interest income | - | 1,229 | 1,210 | 1,343 |
| Equity securities, fv-ni, realized gain (loss) | - | - | 70 | 9 |
| Total non-interest income | 1,477 | 1,346 | 1,445 | 1,479 |
| Professional fees | 247 | 206 | 297 | 279 |
| Other non-interest expense | 585 | 481 | 444 | 409 |
| Occupancy | 301 | 366 | 320 | 327 |
| Data processing expense | 778 | 629 | 684 | 815 |
| Fdic insurance premiums | 119 | 135 | 141 | 139 |
| Equipment | 243 | 217 | 248 | 226 |
| Amortization of intangible assets | 17 | 18 | 22 | 20 |
| Taxes, other than income | 95 | 31 | 60 | 38 |
| Employee compensation expense | 2,098 | 1,975 | 2,249 | 2,232 |
| Employee benefits | 502 | 546 | 555 | 533 |
| Amortization of investment in low income housing partnerships | 80 | 81 | 81 | 80 |
| Total non-interest expense | 5,065 | 4,685 | 5,101 | 5,098 |
| Provision for credit losses | 349 | 104 | 232 | 119 |
| Short-term borrowings and repurchase agreements | 440 | 531 | 741 | 712 |
| Other interest bearing liabilities | 7 | 7 | 8 | 8 |
| Long-term debt | 21 | 30 | 31 | 89 |
| Deposits | 2,889 | 2,803 | 2,879 | 2,722 |
| Total interest expense | 3,357 | 3,371 | 3,659 | 3,531 |
| Other interest income | 20 | 17 | 24 | 49 |
| Tax-exempt securities | 30 | 30 | 30 | 29 |
| Taxable securities | 1,372 | 1,365 | 1,421 | 1,455 |
| Loans, including fees | 8,112 | 7,781 | 7,979 | 7,778 |
| Total interest income | 9,534 | 9,193 | 9,454 | 9,311 |
| Net interest income | 6,177 | 5,822 | 5,795 | 5,780 |
| Net interest income after provision for credit losses | 5,828 | 5,718 | 5,563 | 5,661 |
| Income before income taxes | 2,240 | 2,379 | 1,907 | 2,042 |
| Income tax provision | 329 | 371 | 270 | 296 |
| Net income | 1,911 | 2,008 | 1,637 | 1,746 |
| Earnings per share, basic | 0.38 | 0.4 | 0.33 | 0.35 |
| Earnings per share, diluted | 0.38 | 0.4 | 0.33 | 0.35 |
| Weighted average number of shares outstanding, basic | 5,017,000 | 5,009,000 | 5,003,000 | 5,001,000 |
| Weighted average number of shares outstanding, diluted | 5,029,000 | 5,022,000 | 5,014,000 | 5,009,000 |