Juniata Valley Financial Corp. · OTC:JUVF
Juniata Valley Financial — Shareholder Meeting (May 2011)
53 slides from Juniata Valley Financial's shareholder meeting presentation, May 19, 2011
Slide 1: 2011 Annual Meeting of Shareholders
2011 Annual Meeting of Shareholders Connected to the Past, Committed to the Future May 17, 2011
Slide 2: Forward-looking information
The presentation may contain "forward looking" information as defined by the Private Securities Litigation Reform Act of 1995. When words such as "believes", "expects", "anticipates" or similar expressions are used in this release, Juniata Valley is making forward-looking statements. Such informatio
Slide 3: Chairman of the Board of Directors Philip E. Gingerich, Jr.
Chairman of the Board of DirectorsPhilip E. Gingerich, Jr.
Slide 4: President and Chief Executive Officer Marcie A. Barber
President and Chief Executive OfficerMarcie A. Barber
Slide 5: Capable Committed Connected Caring
Capable Committed Connected Caring
Slide 6: 2010 - A year of change
2010 - A year of change ^ Key Personnel^ Core Processing System^ Tactical Strategy
Slide 7: Key Personnel
Key Personnel
Slide 8: 2010 - A year of change
2010 - A year of change ^ Key Personnel^ Core Processing System^ Tactical Strategy
Slide 9: Joe E. Benner
Joe E. Benner Joe E. Benner Director of Juniata Valley Financial Corp and The Juniata Valley Bank since 1996.Committees Served:Audit TrustPersonnel and CompensationNominatingLoanRetirement February 2011 Committed
Slide 10: Marshall L. Hartman
Marshall L. Hartman President & C.E.O. - Lewistown Trust Company 1977 - 1997 Director of Juniata Valley Financial Corp and The Juniata Valley Bank from 1998 - 2010 Committees Served:Trust Asset/LiabilityNominatingLoanAudit Committed
Slide 11: Francis J. Evanitsky
Committed Francis J. Evanitsky ^ Chief Executive Officer 2000 - 2010^ President 1998- 2010^ Director 1998 -
Slide 12: Core Processing System
Core Processing System
Slide 13: After the Change.... Who are We?
After the Change.... Who are We? CommittedTo Improving our "system"Front line deliveryBack room efficienciesInformation expansionTo enhancing the value of the franchiseCaringFor our customers, our community and each otherCaring to be excellent CapableStriving for excellence through education and exp
Slide 14: Strategic Direction
Strategic Direction
Slide 15: Strategic Plan 2008-2010
Strategic Plan 2008-2010
Slide 16: Strategic Plan 2010-2012
Risk Management Dinosaur Compliance Credit Operational Recognition CreateShareholder Value ThroughTotal Return Financial Performance HumanElement Asset GrowthAndExpansion CustomerExperience Balance SheetMix &Margin GrowNon-interestIncome CapitalManagement Train andEmpower Recruit , Retain & Energize
Slide 17: Risk Management
Risk Management Dinosaur Compliance Credit Operational
Slide 18: Capable & Committed
Capable & Committed Capable & Committed
Slide 19: Underlying Strengths
Underlying Strengths Financial Performance Capital LevelsAsset QualityManagement Strategic Direction
Slide 20: Chief Financial Officer JoAnn McMinn
Chief Financial OfficerJoAnn McMinn
Slide 21: Strength in Financial Performance
Strength in Financial Performance
Slide 22: Juniata Valley Financial Corp.
Juniata Valley Financial Corp. Juniata Valley Financial Corp.
Slide 23: Performance Comparisons: Selected Local Peers
For Performance Comparisons Most Direct Local Competitors "Selected Local Peers" FMFP - First Community Financial Corp.KISB - Kish BancorpMPB - Mid Penn BancorpMIFF - Mifflinburg B&TNUBC - Northumberland BancorpORRF - Orrstown Financial ServicesFNB - FNB of PennsylvaniaGroup of 7 Broad Group of Simi
Slide 24: Five Year Performance Comparison: Return on Average Assets
Five Year Performance Comparison Return on Average Assets Return on Average Assets Return on Average Assets
Slide 25: Five Year Performance Comparison: Return on Average Equity
Five Year Performance Comparison Return on Average Equity Return on Average Equity Return on Average Equity
Slide 26: Five Year Performance Comparison: Net Interest Margin
Five Year Performance Comparison Net Interest Margin Net Interest Margin Net Interest Margin
Slide 27: Five Year Performance Comparison: Loan Loss Provision
Five Year Performance Comparison Loan Loss Provision as % of Average Assets Loan Loss Provision as % of Average Assets Loan Loss Provision as % of Average Assets
Slide 28: Five Year Performance Comparison: Non-Interest Income
Five Year Performance Comparison Non-Interest Income as % Average Assets (excludes security transaction gains/losses and impairment charges) (excludes security transaction gains/losses and impairment charges) (excludes security transaction gains/losses and impairment charges) (excludes security tran
Slide 29: Five Year Performance Comparison: Non-Interest Expense
Five Year Performance Comparison Non-Interest Expense as % Average Assets Non-Interest Expense as % Average Assets Non-Interest Expense as % Average Assets
Slide 30: Five Year Performance Comparison: Efficiency Ratio
Five Year Performance Comparison Efficiency Ratio Efficiency Ratio Efficiency Ratio
Slide 31: Quarterly Net Income Results
Quarterly Net Income Results Quarterly Net Income Results
Slide 32: 2011 Q1 Performance Highlights
2011 Q1 Performance Highlights (in thousands) (in thousands) (in thousands)
Slide 33: 2011 Q1 Performance Highlights
2011 Q1 Performance Highlights 2011 Q1 Performance Highlights
Slide 34: Strength in Capital
Strength in Capital
Slide 35: Five Year Performance Comparison: Risk Based Capital Ratio
Five Year Performance Comparison Risk Based Capital Ratio (well capitalized minimum = 10%) Risk Based Capital Ratio (well capitalized minimum = 10%) Risk Based Capital Ratio (well capitalized minimum = 10%)
Slide 36: Historical Regular Dividend Activity
Historical Regular Dividend Activity Historical Regular Dividend Activity Historical Regular Dividend Activity
Slide 37: Stockholder Total Return - Year Assumptions
Stockholder Total Return - 5 Year Assumptions Investment made on 12/31/2005Selected Local PeersFMFP - First Community Financial Corp.KISB - Kish BancorpMPB - Mid Penn BancorpMIFF - Mifflinburg B&TNUBC - Northumberland BancorpORRF - Orrstown Financial ServicesFNB - FNB of Pennsylvania Definition Tota
Slide 38: Total Return Performance 12/31/2005 - 12/31/2010
Juniata Valley Composite of Selected Peers National Index Total Return (%) 12/31/2005 - 12/31/2010 Total Return Performance 40: 24 Suniata Valley Financial * Corp. (-13.12%) L —#- Selected Local Peers (-21.29%) # Russell 3000 (+12.69%)
Slide 39: Juniata Valley Financial Corp - Total Return
unit Valley Financial Corp - Total Return) f wr nie) SUS a atae8) 1m secet alPes 21288) Juniata Valley Fy ii | | an ged Composite of Selected Peers All US Pe ee ee ee ee ee ee Banks
Slide 40: Juniata Valley Financial Corp. Total Return
Juniata Valley Financial Corp. Total Return 4) 5 maori) sus eon mfg secs Juniata Sees Loca ees (21258) Ey ‘Composite of Selected P AILUS Banks al 500) a a a a a ee Millon ca a | 1 a)
Slide 41: Asset Quality, Balance Sheet Stability
Asset QualityBalance Sheet Stability
Slide 42: Balance Sheet Growth
(CHART) Average Deposits (CHART) (CHART) Average Loans Average Assets Balance Sheet Growth (5 Years Historical and 1st Quarter 2011)
Slide 43: Credit Quality Statistics
Credit Quality Statistics Like most banks, Juniata Valley has been experiencing some increases in non-performing assets.Definition of Non-Performing AssetLoan that has been placed in non-accrual status.Loan that is accruing but is more than 90 days delinquent in scheduled payments.Performing loan th
Slide 44: Credit Quality Statistics
Credit Quality Statistics (CHART) (CHART)
Slide 45: Five Year Performance Comparison: Net Charge-Offs to Average Loans
Five Year Performance Comparison Net Charge-Offs to Average Loans Net Charge-Offs to Average Loans Net Charge-Offs to Average Loans
Slide 46: Five Year Performance Comparison: Non-Performing Assets as % of Assets
Five Year Performance Comparison Non-Performing Assets as % of Assets (includes Non-Accrual, OREO and 90 Day Delinquencies still Accruing) (includes Non-Accrual, OREO and 90 Day Delinquencies still Accruing) (includes Non-Accrual, OREO and 90 Day Delinquencies still Accruing) (includes Non-Accrual,
Slide 47: Strength of Management
rt aly cal oy Strength of Management
Slide 48: Board of Directors, Senior Management, Middle Management
Board of Directors Experienced - Skilled - CommittedSenior Management Diverse - Committed - CapableMiddle Management Caring - Connected
Slide 49: Strength in Focus, Strategic Direction
Strength in FocusStrategic Direction
Slide 50: Anytime..... Anywhere... Committed to the Future
Anytime..... .....Anywhere... Committed to the FutureInvesting in our peopleTraining and developmentInvesting in our infrastructureCore ProcessingInvesting in our customersHolistic deliveryInvesting in our productsMobile BankingPremiere Home Equity Line
Slide 51: Committed to the Future....
Committed to the Future.... Committed to the Future....
Slide 52: Our Opportunity
Our Opportunity - Financial Performance Capital LevelsAsset QualityManagement Strategic Direction
Slide 53: Juniata Valley Financial Corp.
Juniata Valley Financial Corp. SAM BY The Juniata Valley Bank
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