JUNIATA VALLEY FINANCIAL CORP
For the period ended Dec 31, 2025. Filed Mar 25, 2026.
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FY2025 · Filed Mar 25, 2026
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Item 8. CONSOLIDATED STATEMENTS OF CASH FLOWS
| | | | | | | |
|---|---|---|---|---|---|---|
| (Dollars in thousands) · · Year Ended December 31, | ||||||
| · · 2025 · · 2024 | ||||||
| Operating activities: · · · · · | ||||||
| Net income | | $7,983 | | $6,229 | ||
| Adjustments to reconcile net income from operating activities: | | | | | ||
| Provision for credit losses | | 923 | | 534 | ||
| Depreciation | | 798 | | 733 | ||
| Net amortization of securities premiums | | 92 | | 123 | ||
| Net amortization of loan origination costs | | 89 | | 80 | ||
| Deferred net loan origination costs | | (680) | | (572) | ||
| Amortization of intangibles | | 68 | | 85 | ||
| Amortization of investment in low-income housing partnerships | | 322 | | 322 | ||
| Net amortization of purchase fair value adjustments | | (34) | | (4) | ||
| Change in value of equity securities | | (131) | | (115) | ||
| Earnings on bank owned life insurance and annuities | | (263) | | (236) | ||
| Deferred income tax (benefit) expense | | (29) | | 35 | ||
| Stock-based compensation expense | | 154 | | 142 | ||
| Mortgage servicing right adjustment | | 9 | | 14 | ||
| Gain from life insurance proceeds | | (30) | | (56) | ||
| Decrease in accrued interest receivable and other assets | | 865 | | 366 | ||
| Increase in accrued interest payable and other liabilities | | (33) | | (2,345) | ||
| Net cash provided by operating activities | | 10,103 | | 5,335 | ||
| Investing activities: | | | | | ||
| Purchases of: | | | | | ||
| Restricted stock | | — | | (823) | ||
| Premises and equipment | | (621) | | (1,935) | ||
| Bank owned life insurance | | | (890) | | | (717) |
| Bank owned life insurance premium and annuity payments | | (26) | | (27) | ||
| Proceeds from: | | | | | ||
| Redemption of equity securities | | | 46 | | — | |
| Maturities of and principal repayments on securities available for sale | | 12,151 | | 4,742 | ||
| Maturities of and principal repayments on securities held to maturity | | | 14,042 | | | 13,864 |
| Redemption of restricted stock | | 8 | | — | ||
| Life insurance claims | | 476 | | 663 | ||
| Sale of fixed assets | | | (50) | | | — |
| Sale of other assets | | — | | 10 | ||
| Net increase in loans | | (66,908) | | (7,994) | ||
| Net cash (used in) provided by investing activities | | (41,772) | | 7,783 | ||
| Financing activities: | | | | | ||
| Net increase (decrease) in deposits | | 33,842 | | (1,111) | ||
| Net increase (decrease) in short-term borrowings and securities sold under agreements to repurchase | | 7,664 | | (10,568) | ||
| Repayment of long-term debt | | (5,000) | | (15,000) | ||
| Cash dividends | | (4,413) | | (4,400) | ||
| Purchase of treasury stock | | (4) | | (3) | ||
| Treasury stock issued for employee stock plans | | 30 | | 32 | ||
| Net cash provided by (used in) financing activities | | 32,119 | | (31,050) | ||
| Net increase (decrease) in cash and cash equivalents | | 450 | | (17,932) | ||
| Cash and cash equivalents at beginning of year | | 10,998 | | 28,930 | ||
| Cash and cash equivalents at end of period | | $11,448 | | $10,998 | ||
| Supplemental information: | | | | | | |
| Interest paid | | $13,671 | | $14,708 | ||
| Federal income tax paid (no state or foreign taxes paid) | | | 1,201 | | | 915 |
| Supplemental schedule of noncash investing and financing activities: | | | | | | |
| Transfer of loans to repossessed vehicles | | $— | | $10 | ||
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