The Juniata Valley Bank in Mifflintown, Pennsylvania (PA)

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The Juniata Valley Bank
GeneralFDIC 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
LocationAddress: 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 ChangesChange in Location
Financial SummaryTotal 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)
Total employees (full-time equivalent)135
Total assets$441,601
Cash and due from depository institutions$15,270
Interest-bearing balances$3,196
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$286,750
Loan loss allowance $2,931
Trading account assets$0
Bank premises and fixed assets$6,710
Other real estate owned$427
Goodwill and other intangibles$2,255
All other assets$20,997
Life insurance assets$441,601
Total liabilities and capital$397,803
Total liabilities$386,703
Total deposits$321,914
Interest-bearing deposits$386,703
Deposits held in domestic offices$94
% insured (estimated)3501.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$1,245
Other borrowed funds $0
Subordinated debt $6,354
All other liabilities $43,798
Total equity capital$43,798
Total bank equity capital$43,798
Perpetual preferred stock$0
Common stock$821
Undivided profits $31,632
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $10,687
Earning assets $0
Long-term assets (5+ years) $1,797
Average Assets, year-to-date $399,138
Average Assets, quarterly $204,380
Volatile liabilities $441,205
Insider loans $445,341
FHLB advances $275,072
Loans and leases held for sale $441,739
Unused loan commitments $14,069
Tier 1 (core) risk-based capital $8,784
Tier 2 risk-based capital $43,757
Total risk weighted assets $0
Total unused commitments $5,285
Restructured Loans and leases $38,033
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,989
Total interest expense $4,592
Net interest income $15,397
Provision for loan and lease losses $364
Total noninterest income $3,733
Fiduciary activities $388
Service charges on deposit accounts $1,346
Trading account gains & fees $0
Additional noninterest income $1,999
Total noninterest expense $12,717
Salaries and employee benefits $6,943
Premises and equipment expense $1,526
Additional noninterest expense $4,248
Pre-tax net operating income $6,049
Securities gains (losses) $6
Applicable income taxes $1,506
Income before extraordinary items $4,549
Extraordinary gains - net $0
Net income attributable to bank $4,549
Net charge-offs $0
Cash dividends $4,549
Sale, conversion, retirement of capital stock, net $257
Net operating income $4,217
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.00%
Cost of funding earning assets 1.15%
Net interest margin 3.85%
Noninterest income to earning assets 0.93%
Noninterest expense to earning assets 3.18%
Net operating income to assets 1.03%
Return on assets (ROA) 1.03%
Pretax return on assets 1.37%
Return on equity (ROE) 10.26%
Retained earnings to average equity (YTD only) 0.75%
Net charge-offs to loans 0.09%
Credit loss provision to net charge-offs 141.63%
Efficiency ratio24.95%
Assets per employee$66,477
Cash dividends to net income (YTD only)3.27%
Condition Ratios (%)
Loss allowance to loans 92.70%
Loss allowance to noncurrent loans 1.01%
Noncurrent assets plus other real estate owned to assets 27.43%
Noncurrent loans to loans 2.52%
Net loans and leases to deposits3.69%
Net loans and leases to core deposits 74.15%
Equity capital to assets 74.85%
Core capital (leverage) ratio 9.92%
Tier 1 risk-based capital ratio 9.91%
Total risk-based capital ratio 15.91%
Average assets$17
Average earning assets$441,205
Average equity $44,337
Average loans $399,686
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$80,058
Number of Accounts1
Personal trust and agency accounts$62,121
Employee benefit-defined contribution accounts$30,595
Employee benefit-defined benefit accounts$11,885
Other retirement accounts$10,126
Corporate trust and agency accounts$3,038
Investment management agency accounts$2
Other fiduciary accounts$6,475
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts328
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$3,038
Employee benefit-defined benefit accounts$0
Other retirement accounts$17,937
Corporate trust and agency accounts$3,073
Other fiduciary accounts$6,299
Fiduciary accounts held in foreign offices$6,897
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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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