| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Loans, including fees | 8,624 | 8,112 | 7,781 | 7,979 |
| Taxable securities | 1,325 | 1,372 | 1,365 | 1,421 |
| Tax-exempt securities | 30 | 30 | 30 | 30 |
| Other interest income | 17 | 20 | 17 | 24 |
| Long-term debt | - | 21 | 30 | 31 |
| Total interest income | 9,996 | 9,534 | 9,193 | 9,454 |
| Deposits | 2,903 | 2,889 | 2,803 | 2,879 |
| Short-term borrowings and repurchase agreements | 530 | 440 | 531 | 741 |
| Other interest bearing liabilities | 7 | 7 | 7 | 8 |
| Total interest expense | 3,440 | 3,357 | 3,371 | 3,659 |
| Net interest income | 6,556 | 6,177 | 5,822 | 5,795 |
| Provision for credit losses | 216 | 349 | 104 | 232 |
| Net interest income after provision for credit losses | 6,340 | 5,828 | 5,718 | 5,563 |
| Non-interest income-Bank Servicing | 474 | 466 | - | - |
| Non-interest income-Debit Card | 458 | 450 | - | - |
| Earnings on bank-owned life insurance and annuities | 71 | 62 | 57 | 60 |
| Non-interest income-Fiduciary And Trust | 106 | 112 | - | - |
| Non-interest income-Investment Advisory Management And Administrative Service | 60 | 69 | - | - |
| Non-interest income | - | - | 1,229 | 1,210 |
| Non-interest income-Fees Derived From Loan Activity | 202 | 158 | - | - |
| Equity securities, fv-ni, realized gain (loss) | - | - | - | 70 |
| Change in value of equity securities | 64 | 40 | -28 | - |
| Gain from life insurance proceeds | - | 20 | - | - |
| Other non-interest income | 82 | 100 | 88 | 105 |
| Total non-interest income | 1,517 | 1,477 | 1,346 | 1,445 |
| Employee compensation expense | 2,577 | 2,098 | 1,975 | 2,249 |
| Employee benefits | 476 | 502 | 546 | 555 |
| Occupancy | 278 | 301 | 366 | 320 |
| Equipment | 251 | 243 | 217 | 248 |
| Data processing expense | 734 | 778 | 629 | 684 |
| Professional fees | 256 | 247 | 206 | 297 |
| Taxes, other than income | 45 | 95 | 31 | 60 |
| Fdic insurance premiums | 126 | 119 | 135 | 141 |
| Amortization of intangible assets | 16 | 17 | 18 | 22 |
| Amortization of investment in low income housing partnerships | 80 | 80 | 81 | 81 |
| Other non-interest expense | 605 | 585 | 481 | 444 |
| Total non-interest expense | 5,444 | 5,065 | 4,685 | 5,101 |
| Income before income taxes | 2,413 | 2,240 | 2,379 | 1,907 |
| Income tax provision | 357 | 329 | 371 | 270 |
| Net income | 2,056 | 1,911 | 2,008 | 1,637 |
| Earnings per share, basic | 0.41 | 0.38 | 0.4 | 0.33 |
| Earnings per share, diluted | 0.41 | 0.38 | 0.4 | 0.33 |
| Weighted average number of shares outstanding, basic | 5,019,000 | 5,017,000 | 5,009,000 | 5,003,000 |
| Weighted average number of shares outstanding, diluted | 5,036,000 | 5,029,000 | 5,022,000 | 5,014,000 |
JUNIATA VALLEY FINANCIAL CORP (JUVF)
JUNIATA VALLEY FINANCIAL CORP (JUVF)