JUNIATA VALLEY FINANCIAL CORP

For the period ended Dec 31, 2024. Filed Mar 26, 2025.

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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2024 · Filed Mar 26, 2025

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Contents

CONSOLIDATED STATEMENTS OF INCOME

· · · · · ·
· · Year Ended
(Dollars in thousands, except share data) · · December 31,
	2024		2023
Interest and dividend income:
Loans, including fees		$31,109		$26,728
Taxable securities		5,749		6,193
Tax-exempt securities		118		139
Other interest income		140		121
Total interest income		37,116		33,181
Interest expense:
Deposits		11,167		8,247
Short-term borrowings and repurchase agreements		2,719		1,733
Long-term debt		268		471
Other interest bearing liabilities		33		38
Total interest expense		14,187		10,489
Net interest income		22,929		22,692
Provision for credit losses		534		500
Net interest income after provision for credit losses		22,395		22,192
Non-interest income:
Customer service fees		1,767		1,376
Debit card fee income		1,752		1,770
Earnings on bank-owned life insurance and annuities		236		222
Trust fees		469		466
Commissions from sales of non-deposit products		388		337
Fees derived from loan activity		682		500
Change in value of equity securities		115		17
Gain from life insurance proceeds		56		161
Other non-interest income		360		472
Total non-interest income		5,825		5,321
Non-interest expense:
Employee compensation expense		9,022		8,454
Employee benefits		2,448		2,355
Occupancy		1,412		1,289
Equipment		863		659
Data processing expense		2,881		2,937
Professional fees		1,134		848
Taxes, other than income		191		184
FDIC Insurance premiums		575		504
Gain on other real estate owned		—		(16)
Amortization of intangible assets		85		81
Amortization of investment in low-income housing partnerships		322		353
Merger and acquisition expense		—		227
Other non-interest expense		2,079		2,072
Total non-interest expense		21,012		19,947
Income before income taxes		7,208		7,566
Income tax provision		979		970
Net income		$6,229		$6,596
Earnings per share
Basic		$1.25		$1.32
Diluted		$1.24		$1.31

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.