Juniata Valley Q3 net income $2.1M (+11.8% YoY); EPS $0.42; loan growth $21M

JUNIATA VALLEY FINANCIAL CORP

2022-Q3 EPS reported $1.24

Net income for Q3 2022 was $2.1M, up 11.8% from $1.9M a year ago; diluted EPS $0.42 vs $0.38.
Annualized ROAA 1.03% (+13.2% YoY); NIM on FTEB rose to 2.99% from 2.79%.
Loan loss provision expense of $100K in Q3 vs a $257K credit in Q3 2021 on loan growth and economic uncertainty.
Total loans grew $44.1M (10.5%) since Dec 2021; total assets $815.2M, up 0.6%.
Board declared $0.22 per share dividend, payable Dec 1, 2022 to holders of record Nov 15, 2022.

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