The Juniata Valley Bank

The Juniata Valley Bank is headquartered in Mifflintown and is the 81^st largest bank in the state of Pennsylvania. It is also the 1,491^st largest bank in the nation. It was established in 1867 and as of March of 2012, it had grown to 134 employees at 12 locations. The Juniata Valley Bank has a 3-star health rating.

The Juniata Valley Bank Routing Number: 031310219

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Data for Q1 2012

Institution Statistics The Juniata Valley Bank FDIC Certificate # 7614 BankRate Report View Year Established 1867 Employees 134 Primary Regulator FDIC Assets and Liabilities Assets $448.18 million Loans $281.52 million Deposits $394.66 million Equity Capital $43.22 million Loan Loss Allowance $3.88 million Unbacked Noncurrent Loans $9.65 million Real Estate Owned $588,000 Historic Data - March 2011 Assets $439.02 million Equity Capital $44.06 million Loan Loss Allowance $2.90 million Unbacked Noncurrent Loans $6.30 million Real Estate Owned $340,000 Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.34% Return on Equity 3.45% Interest Income $4.70 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 The Juniata Valley Bank had $10.24 million in non-current loans and owned real-estate with $47.1 million in equity and loan loss allowances on hand to cover it. This gives The Juniata Valley Bank a Texas Ratio of 21.74% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Juniata Valley Bank increased slightly from 14.14% as of March 31, 2011 to 21.74% as of March 31, 2012, resulting in a negative change of 53.78%. This indicates that the balance sheet and financial strength for The Juniata Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, The Juniata Valley Bank has increased its total deposits by $8.14 million, resulting in 2.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Juniata Valley Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Juniata Valley Bank has $448.18 million in assets with $47.1 million in equity, resulting in a capitalization level of 10.51%, which is above average.

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