The Juniata Valley Bank in Mifflintown, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Juniata Valley Bank - Overview

  • General
  • FDIC Certificate #: 7614
    Status: Active
    Federal Reserve ID: 215710
    Bank Holding Company (Regulatory Top Holder): Juniata Valley Financial Corp. (RSSDID: 1117512, Location: Mifflintown, PA)
    Date Established: January 01, 1867
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 12 (Domestic: 12, Interstate: No)
    OTS Docket #: 11076
    FDIC's unique #: 4935
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 02, 2010
    Last Structure Change Process Date: June 02, 2010
    Last Data Update: June 02, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 1 S Main St, Mifflintown, PA 17059
    County: Juniata
    Quarterly Banking Profile Region: New York
    FDIC Geographic Region: New York
    FDIC Supervisory Region: New York
    FDIC Field Office: Harrisburg
    Office of the Comptroller the Currency (OCC) District: Northeast
    Office of Thrift Supervision Region: Northeast
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $441.6 mil
    Equity capital: $43.8 mil
    Deposits held in domestic offices: $386.7 mil
    Return on assets (ROA): 1.03% ($4.6 mil)
    Quarterly return on assets: 0.98% ($4.3 mil)
    Return on Equity (ROE): 10.26% ($4.5 mil)
    Quarterly return on equity: 9.87% ($4.3 mil)
    Net income: $4.5 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.37% ($6,049.9 mil)
    Quarterly Pretax return on assets: 1.30% ($5,740.8 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 135Total employees (full-time equivalent)
  • $441,601Total assets
  • $15,270Cash and due from depository institutions
  • $3,196Interest-bearing balances
  • $109,192Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $286,750Net loans & leases
  • $2,931Loan loss allowance
  • $0Trading account assets
  • $6,710Bank premises and fixed assets
  • $427Other real estate owned
  • $2,255Goodwill and other intangibles
  • $441,601Life insurance assets
  • $20,997All other assets
  • $397,803Total liabilities and capital
  • $386,703Total liabilities
  • $321,914Total deposits
  • $386,703Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 3501.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,245Trading liabilities
  • $0Other borrowed funds
  • $6,354Subordinated debt
  • $43,798All other liabilities
  • $43,798Total equity capital
  • $43,798Total bank equity capital
  • $0Perpetual preferred stock
  • $821Common stock
  • $11,345Surplus
  • $31,632Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,687Income earned, not collected on loans
  • $0Earning assets
  • $1,797Long-term assets (5+ years)
  • $399,138Average Assets, year-to-date
  • $204,380Average Assets, quarterly
  • $441,205Volatile liabilities
  • $445,341Insider loans
  • $275,072FHLB advances
  • $441,739Loans and leases held for sale
  • $14,069Unused loan commitments
  • $8,784Tier 1 (core) risk-based capital
  • $43,757Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,285Total unused commitments
  • $38,033Restructured Loans and leases
  • $13,684Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,989Total interest income
  • $4,592Total interest expense
  • $15,397Net interest income
  • $364Provision for loan and lease losses
  • $3,733Total noninterest income
  • $388Fiduciary activities
  • $1,346Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,999Additional noninterest income
  • $12,717Total noninterest expense
  • $6,943Salaries and employee benefits
  • $1,526Premises and equipment expense
  • $4,248Additional noninterest expense
  • $6,049Pre-tax net operating income
  • $6Securities gains (losses)
  • $1,506Applicable income taxes
  • $4,549Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,549Net income attributable to bank
  • $0Net charge-offs
  • $4,549Cash dividends
  • $257Sale, conversion, retirement of capital stock, net
  • $4,217Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 3.85%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.18%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.37%Pretax return on assets
  • 10.26%Return on equity (ROE)
  • 0.75%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 141.63%Credit loss provision to net charge-offs
  • 24.95%Efficiency ratio
  • 66,477Assets per employee
  • 3.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 92.70%Loss allowance to loans
  • 1.01%Loss allowance to noncurrent loans
  • 27.43%Noncurrent assets plus other real estate owned to assets
  • 2.52%Noncurrent loans to loans
  • 3.69%Net loans and leases to deposits
  • 74.15%Net loans and leases to core deposits
  • 74.85%Equity capital to assets
  • 9.92%Core capital (leverage) ratio
  • 9.91%Tier 1 risk-based capital ratio
  • 15.91%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $441,205Average earning assets
  • $44,337Average equity
  • $399,686Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $80,058Managed Assets
  • 1Number of Accounts
  • $62,121Personal trust and agency accounts
  • $30,595Employee benefit-defined contribution accounts
  • $11,885Employee benefit-defined benefit accounts
  • $10,126Other retirement accounts
  • $3,038Corporate trust and agency accounts
  • $2Investment management agency accounts
  • $6,475Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 328Number of Accounts
  • $0Personal trust and agency accounts
  • $3,038Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $17,937Other retirement accounts
  • $3,073Corporate trust and agency accounts
  • $6,299Other fiduciary accounts
  • $6,897Fiduciary accounts held in foreign offices

List of branches

  • 12 Pennsylvania Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    04935The Juniata Valley Bank1 S Main St, Mifflintown, PA 17059January 01, 1867Full Service Brick and Mortar
    2216112Millerstown Branch4 North Market, Millerstown, PA 17062April 02, 1962Full Service Brick and Mortar
    3216113Port Royal BranchMarket And Third Streets, Port Royal, PA 17082Febuary 22, 1965Full Service Brick and Mortar
    4216114Blairs Mills Branch17428 Tuscarora Creek Road, Blairs Mills, PA 17213March 01, 1967Full Service Brick and Mortar
    5216115Mountain View Branch5294 W River Rd, Mifflintown, PA 17059January 18, 1973Full Service Brick and Mortar
    6216116Monument Square Branch1 East Market Street, Lewistown, PA 17044March 30, 1978Full Service Brick and Mortar
    7216117Gardenview Branch20 Prince Street, Reedsville, PA 17084June 25, 1990Full Service Brick and Mortar
    9189257Water Street Branch100 West Water Street, Lewistown, PA 17044July 29, 1968Full Service Brick and Mortar
    10189258Burnham Branch320 South Logan Boulevard, Burnham, PA 17009August 01, 1980Full Service Brick and Mortar
    11189259Wal-Mart Supercenter BranchUs Route 522, Belleville, PA 17004October 23, 1996Full Service Brick and Mortar
    12216474Richfield Branch571 Main Street, Richfield, PA 17086June 30, 1962Full Service Brick and Mortar
    13480449Mc Allisterville Branch30580 Rt 35, Mc Alisterville, PA 17049May 12, 2008Full Service Brick and Mortar

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