Exhibit 99.1
| 2011 Annual Meeting of Shareholders Connected to the Past, Committed to the Future May 17, 2011 |
| 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 information is based on Juniata Valley's current expectations, estimates and projections about future events and financial trends affecting the financial condition of its business. These statements are not historical facts or guarantees of future performance, events or results. Such statements involve potential risks and uncertainties and, accordingly, actual results may differ materially from this "forward looking" information. Juniata Valley undertakes no obligation to publicly update or revise forward looking information, whether as a result of new or updated information, future events, or otherwise. Many factors could affect future financial results including, without limitation, the current disruptions in the financial and credit markets, changes in interest rates and their impact on the level of deposits, loan demand and value of loan collateral, increased competition from other financial institutions, market value deterioration in the financial services sector, FDIC deposit insurance premiums, governmental monetary policy, legislation and changes in banking regulations, risks associated with the effect of opening a new branch, the ability to control costs and expenses, and general economic conditions. For a more complete discussion of certain risks and uncertainties affecting Juniata Valley, please see the sections entitled "Risk Factors" and "Management's Discussion and Analysis of Financial Condition and Results of Operations - Forward-Looking Statements" set forth in the Juniata Valley's filings with the Securities and Exchange Commission. |
| Chairman of the Board of DirectorsPhilip E. Gingerich, Jr. |
| President and Chief Executive OfficerMarcie A. Barber |
| Capable Committed Connected Caring |
| 2010 - A year of change ^ Key Personnel^ Core Processing System^ Tactical Strategy |
| Key Personnel |
| 2010 - A year of change ^ Key Personnel^ Core Processing System^ Tactical Strategy |
| 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 |
| 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 |
| Committed Francis J. Evanitsky ^ Chief Executive Officer 2000 - 2010^ President 1998- 2010^ Director 1998 - |
| Core Processing System |
| 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 experienceUnique and effective mix of long-tenured employees , seasoned professionals and new blood. Connected To our past through commitment to the same mission. To our customers, shareholders and communities. |
| Strategic Direction |
| Strategic Plan 2008-2010 |
| 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 & EnergizeThe Right People OrganizationalStructure PerformanceCompensation Acquisition &GeographicExpansion Identify BrandMarket to CustomerCommunity &Shareholders Line ofBusinessIntegration TargetedSegments Ease of DoingBusiness Proactive Efforts ServiceStandards Up to DateDeliveryChannels OperatingExpenseEfficiency Strategic Plan 2010-2012 |
| Risk Management Dinosaur Compliance Credit Operational |
| Capable & Committed Capable & Committed |
| Underlying Strengths Financial Performance Capital LevelsAsset QualityManagement Strategic Direction |
| Chief Financial OfficerJoAnn McMinn |
| Strength in Financial Performance |
| Juniata Valley Financial Corp. Juniata Valley Financial Corp. |
| 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 Similar Sized Banking Organizations All Commercial Banking Organizations within the state of Pennsylvania whose Asset Sizes are between $300 million and $1 Billion.Group of 67 |
| Five Year Performance Comparison Return on Average Assets Return on Average Assets Return on Average Assets |
| Five Year Performance Comparison Return on Average Equity Return on Average Equity Return on Average Equity |
| Five Year Performance Comparison Net Interest Margin Net Interest Margin Net Interest Margin |
| 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 |
| 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 transaction gains/losses and impairment charges) |
| Five Year Performance Comparison Non-Interest Expense as % Average Assets Non-Interest Expense as % Average Assets Non-Interest Expense as % Average Assets |
| Five Year Performance Comparison Efficiency Ratio Efficiency Ratio Efficiency Ratio |
| Quarterly Net Income Results Quarterly Net Income Results |
| 2011 Q1 Performance Highlights (in thousands) (in thousands) (in thousands) |
| 2011 Q1 Performance Highlights 2011 Q1 Performance Highlights |
| Strength in Capital |
| 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%) |
| Historical Regular Dividend Activity Historical Regular Dividend Activity Historical Regular Dividend Activity |
| 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 Total return of a security over a period, including price appreciation and the reinvestment of dividends. Dividends are assumed to be reinvested at the closing price of the security on the ex-date of the dividend. |
| Asset QualityBalance Sheet Stability |
| (CHART) Average Deposits (CHART) (CHART) Average Loans Average Assets Balance Sheet Growth (5 Years Historical and 1st Quarter 2011) |
| 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 that is a troubled-debt restructure.Properties owned by the Bank as a result of loan foreclosures (Other Real Estate Owned - OREO). |
| Credit Quality Statistics (CHART) (CHART) |
| Five Year Performance Comparison Net Charge-Offs to Average Loans Net Charge-Offs to Average Loans Net Charge-Offs to Average Loans |
| 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, OREO and 90 Day Delinquencies still Accruing) |
| Strength of Management |
| Board of Directors Experienced - Skilled - CommittedSenior Management Diverse - Committed - CapableMiddle Management Caring - Connected |
| Strength in FocusStrategic Direction |
| 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 |
| Committed to the Future.... Committed to the Future.... |
| Our Opportunity - Financial Performance Capital LevelsAsset QualityManagement Strategic Direction |
