JUNIATA VALLEY FINANCIAL CORP
For the period ended Dec 31, 2024. Filed Mar 26, 2025.
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FY2024 · Filed Mar 26, 2025
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CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
| | | | | | | |
|---|---|---|---|---|---|---|
| (Dollars in thousands, except share data) · December 31, 2024 · December 31, 2023 | ||||||
| ASSETS · · · | ||||||
| Cash and due from banks | | $5,064 | | $17,189 | ||
| Interest bearing deposits with banks | | 5,934 | | 11,741 | ||
| Cash and cash equivalents | | 10,998 | | 28,930 | ||
| Equity securities | | 1,189 | | 1,073 | ||
| Debt securities available for sale | | 64,623 | | 67,564 | ||
| Debt securities held to maturity (fair value $182,773 and $198,147, respectively) | | 191,627 | | 200,644 | ||
| Restricted investment in bank stock | | 2,530 | | 1,707 | ||
| Total loans | | 533,869 | | 525,394 | ||
| Less: Allowance for credit losses | | (6,183) | | (5,677) | ||
| Total loans, net of allowance for credit losses | | 527,686 | | 519,717 | ||
| Premises and equipment, net | | 9,382 | | 8,180 | ||
| Bank owned life insurance and annuities | | 15,214 | | 14,841 | ||
| Investment in low income housing partnerships | | 832 | | 1,154 | ||
| Core deposit and other intangible assets | | 258 | | 343 | ||
| Goodwill | | 9,812 | | 9,812 | ||
| Mortgage servicing rights | | 69 | | 83 | ||
| Deferred tax asset, net | | | 9,842 | | | 11,319 |
| Accrued interest receivable and other assets | | 4,812 | | 5,188 | ||
| Total assets | | $848,874 | | $870,555 | ||
| LIABILITIES AND STOCKHOLDERS’ EQUITY | | | ||||
| Liabilities: | | | ||||
| Deposits: | | | ||||
| Non-interest bearing | | $196,801 | | $197,027 | ||
| Interest bearing | | 551,156 | | 552,018 | ||
| Total deposits | | 747,957 | | 749,045 | ||
| Short-term borrowings and repurchase agreements | | 42,242 | | 52,810 | ||
| Long-term debt | | 5,000 | | 20,000 | ||
| Other interest bearing liabilities | | 830 | | 951 | ||
| Accrued interest payable and other liabilities | | 5,388 | | 7,612 | ||
| Total liabilities | | 801,417 | | 830,418 | ||
| Commitments and contingent liabilities | | | | | | |
| Stockholders’ Equity: | | | ||||
| Preferred stock, no par value: Authorized - 500,000 shares, none issued | | — | | — | ||
| Common stock, par value $1.00 per share: Authorized 20,000,000 shares; Issued - 5,151,279 shares at December 31, 2024 and December 31, 2023; Outstanding - 5,003,384 shares at December 31, 2024 and 4,991,129 shares at December 31, 2023 | | 5,151 | | 5,151 | ||
| Surplus | | 24,896 | | 24,924 | ||
| Retained earnings | | 53,126 | | 51,297 | ||
| Accumulated other comprehensive loss | | (33,320) | | (38,640) | ||
| Cost of common stock in Treasury: 147,895 shares at December 31, 2024; 160,150 shares at December 31, 2023 | | (2,396) | | (2,595) | ||
| Total stockholders’ equity | | 47,457 | | 40,137 | ||
| Total liabilities and stockholders’ equity | | $848,874 | | $870,555 | ||
JUNIATA FINANCIAL CORP. AND SUBSIDIARY
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