Juniata Valley Financial posts Q1 net income $2.1M, EPS $0.42, up 27% YoY

JUNIATA VALLEY FINANCIAL CORP

2022-Q1 EPS reported $0.42

Net income $2.1M up 29.4% YoY; EPS $0.42 vs $0.33 (27.3% increase).
Net interest margin (FTE) increased to 3.17% from 2.75% on higher earning assets yield and lower funding costs.
Loan provision expense $28,000 (vs credit $79K) due to elevated qualitative risk factors from inflation and supply chain.
Non-interest expense $4.9M up 6% on temporary compensation duplication and higher medical claims.
Board declared $0.22 per share cash dividend, payable June 1, 2022 to holders of record May 16, 2022.

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