secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2022-05-17T23:59:59+00:00
Accession:  0001558370-22-009072
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837022009072/0001558370-22-009072-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837022009072/tmb-20220517x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-22-009072

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