Juniata Valley Financial reports record 2021 net income of $6.6M, up 17.9%; Q4 EPS $0.27 flat

JUNIATA VALLEY FINANCIAL CORP

2021-FY EPS reported $1.32

Full year net income $6.6M ($1.32 EPS), up 17.9% from $5.6M ($1.10 EPS) in 2020.
Q4 net income $1.3M ($0.27 EPS) vs $1.4M ($0.27 EPS) in Q4 2020; net interest margin rose to 3.02%.
Loan loss provision credit of $769k for FY and $233k in Q4 due to improved asset quality and PPP loan forgiveness.
Q4 non-interest expense increased 25% to $6.0M, including $691k prepayment penalty on $15M long-term debt repayment.
Board declared $0.22 per share cash dividend, payable March 1, 2022 to holders of record Feb 15, 2022.

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