secwatch.observer — SEC 8-K summary
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Issuer:     JUNIATA VALLEY FINANCIAL CORP (JUVF)
CIK:        0000714712
Form:       8-K
Filed at:   2022-10-20T23:59:59+00:00
Accession:  0001558370-22-015105
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/714712/000155837022015105/0001558370-22-015105-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/714712/000155837022015105/tmb-20221020x8k.htm
  HTML page:      https://secwatch.observer/filing/0001558370-22-015105

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