Juniata Valley Financial Corp. reported consolidated earnings results for the fourth quarter and year ended December 31, 2016. For the quarter, the company reported net income was $1,302,000, an increase of $1,177,000 as compared to net income in the fourth quarter of 2015. Earnings per share were $0.27 in the fourth quarter of 2016, compared to $0.02 in the fourth quarter of 2015. Annualized return on average assets was 0.89% as compared to 0.10% for the same period in 2015 and annualized return on average equity was 8.55% and 0.93% in the fourth quarters of 2016 and 2015, respectively. Net interest income increased in the fourth quarter of 2016 by $404,000 when compared to the fourth quarter of 2015, driven by higher average loan balances and lower funding costs. For the year, the company reported net income for the year ended December 31, 2016, was $5,156,000, an increase of 68.6% over net income for the same period in 2015, with earnings per share increasing by $0.35, or 48.6%, to $1.07. Annualized return on average assets for the year ended December 31, 2016 was 0.89% as compared to 0.62% in the same period one year ago. Annualized return on average equity, was 8.42% for the year ended December 31, 2016 compared to 5.98% in the year ended December 31, 2015. Net interest income increased for the year ended December 31, 2016 by $2,864,000 when compared to the same period in 2015, driven by higher average loan balances and lower funding costs.