Juniata Valley Financial reports 2021 net income $6.6M, EPS $1.32; credit trends positive

JUNIATA VALLEY FINANCIAL CORP

2022-Q1 EPS reported $0.42

Net income of $6.6M for 2021, up from $5.6M in 2020; diluted EPS $1.32 vs $1.10.
Total assets grew to $810.5M at year-end 2021; deposits increased 14% to $708.4M.
Non-performing loans fell to $226K from $444K; reserves-to-loans ratio (excl PPP) was 1.02%.
Securities portfolio restructured three times in 2021; $15M debt prepaid to improve net interest margin.
Net recoveries of $183K on loans; provision for loan losses reversed to -$769K in 2021.

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