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Income Overview
Net Income
$2,522K
EPS
$0.5
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Non-interest income-Bank Servicing
433
435
468
474
Non-interest income-Debit Card
470
430
443
458
Non-interest income-Fiduciary And Trust
113
126
95
106
Non-interest income-Investment Advisory Management And Administrative Service
50
50
50
60
Non-interest income-Fees Derived From Loan Activity
167
195
246*
202
Earnings on bank-owned life insurance and annuities
71
69
73
71
Loss on sales and calls of securities
-209
-
-
-
Change in value of equity securities
220
58
55
64
Loss from life insurance proceeds
-
-
-30*
-
Other non-interest income
77
79
29
82
Total non-interest income
1,392
1,442
1,429
1,517
Loans, including fees
9,396
9,310
8,908
8,624
Taxable securities
1,259
1,221
1,297
1,325
Tax-exempt securities
18
30
29
30
Other interest income
20
20
18
17
Total interest income
10,693
10,581
10,252
9,996
Deposits
2,839
2,758
2,867
2,903
Short-term borrowings and repurchase agreements
439
508
576
530
Long-term debt
-
0
0
-
Other interest bearing liabilities
5
6
6
7
Total interest expense
3,283
3,272
3,449
3,440
Net interest income
7,410
7,309
6,803
6,556
Provision for credit losses
376
180
254
216
Net interest income after provision for credit losses
7,034
7,129
6,549
6,340
Employee compensation expense
2,274
2,244
2,501
2,577
Employee benefits
694
741
617
476
Occupancy
355
326
323
278
Equipment
253
252
222
251
Data processing expense
761
654
757
734
Professional fees
256
236
315
256
Taxes, other than income
100
18
-9
45
Fdic insurance premiums
137
129
134
126
Amortization of intangible assets
13
14
17
16
Amortization of investment in low-income housing partnerships
80
81
81
80
Other non-interest expense
503
516
679
605
Total non-interest expense
5,426
5,211
5,637
5,444
Income before income taxes
3,000
3,360
2,341
2,413
Income tax provision
478
563
333
357
Net income
2,522
2,797
2,008
2,056
Basic EPS
0.5
0.56
0.4
0.41
Diluted EPS
0.5
0.55
0.399
0.41
Basic Average Shares
5,033,000
5,025,000
5,019,000
5,019,000
Diluted Average Shares
5,049,000
5,043,000
5,037,000
5,036,000
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Income Statement
Loans, including fees
$9,396K
(15.83%↑ Y/Y)
Taxable securities
$1,259K
(-8.24%↓ Y/Y)
Other interest income
$20K
(0.00%↑ Y/Y)
Tax-exempt securities
$18K
(-40.00%↓ Y/Y)
Total interest income
$10,693K
(12.16%↑ Y/Y)
Net interest income
$7,410K
(19.96%↑ Y/Y)
Non-interest income-Debit
Card
$470K
(4.44%↑ Y/Y)
Non-interest income-Bank
Servicing
$433K
(-7.08%↓ Y/Y)
Change in value of
equity securities
$220K
(450.00%↑ Y/Y)
Non-interest income-Fees
Derived From Loan...
$167K
(5.70%↑ Y/Y)
Non-interest
income-Fiduciary And Trust
$113K
(0.89%↑ Y/Y)
Total interest
expense
$3,283K
(-2.20%↓ Y/Y)
Other non-interest
income
$77K
(-23.00%↓ Y/Y)
Earnings on bank-owned
life insurance and...
$71K
(14.52%↑ Y/Y)
Non-interest
income-Investment Advisory...
$50K
(-27.54%↓ Y/Y)
Net interest income
after provision for...
$7,034K
(20.69%↑ Y/Y)
Total non-interest
income
$1,392K
(-5.75%↓ Y/Y)
Provision for credit
losses
$376K
(7.74%↑ Y/Y)
Loss on sales and
calls of securities
-$209K
Deposits
$2,839K
(-1.73%↓ Y/Y)
Short-term borrowings and
repurchase agreements
$439K
(-0.23%↓ Y/Y)
Other interest
bearing liabilities
$5K
(-28.57%↓ Y/Y)
Income before income
taxes
$3,000K
(33.93%↑ Y/Y)
Total non-interest
expense
$5,426K
(7.13%↑ Y/Y)
Net income
$2,522K
(31.97%↑ Y/Y)
Income tax provision
$478K
(45.29%↑ Y/Y)
Employee compensation
expense
$2,274K
(8.39%↑ Y/Y)
Data processing
expense
$761K
(-2.19%↓ Y/Y)
Employee benefits
$694K
(38.25%↑ Y/Y)
Other non-interest
expense
$503K
(-14.02%↓ Y/Y)
Occupancy
$355K
(17.94%↑ Y/Y)
Professional fees
$256K
(3.64%↑ Y/Y)
Equipment
$253K
(4.12%↑ Y/Y)
Fdic insurance
premiums
$137K
(15.13%↑ Y/Y)
Taxes, other than
income
$100K
(5.26%↑ Y/Y)
Amortization of investment in
low-income housing...
$80K
(0.00%↑ Y/Y)
Amortization of intangible
assets
$13K
(-23.53%↓ Y/Y)
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JUNIATA VALLEY FINANCIAL CORP (JUVF)
JUNIATA VALLEY FINANCIAL CORP (JUVF)