Call reports 2002
JOURNEY BANK — 2002
What JOURNEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 198,368,000 | 204,826,000 | 216,000,000 | 214,762,000 |
| Total loans | 135,110,000 | 135,450,000 | 134,884,000 | 138,084,000 |
| Allowance for loan losses | 1,467,000 | 1,339,000 | 1,377,000 | 1,484,000 |
| Securities available for sale | 45,014,000 | 49,527,000 | 52,727,000 | 54,849,000 |
| Securities held to maturity | 3,013,000 | 2,889,000 | 2,726,000 | 2,587,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,711,000 | 172,745,000 | 177,504,000 | 177,180,000 |
| Interest-bearing deposits | 153,875,000 | 159,795,000 | 160,864,000 | 162,143,000 |
| Noninterest-bearing deposits | 11,836,000 | 12,950,000 | 16,640,000 | 15,037,000 |
| Equity capital | 17,506,000 | 16,469,000 | 16,961,000 | 17,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,219,000 | 6,416,000 | 9,589,000 | 12,721,000 |
| Interest expense | 1,250,000 | 2,492,000 | 3,687,000 | 4,773,000 |
| Net interest income | 1,969,000 | 3,924,000 | 5,902,000 | 7,948,000 |
| Noninterest income | 513,000 | 1,063,000 | 1,600,000 | 2,199,000 |
| Noninterest expense | 1,551,000 | 3,104,000 | 4,631,000 | 6,258,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 280,000 |
| Pretax income | 879,000 | 1,800,000 | 2,758,000 | 3,586,000 |
| Income tax | 237,000 | 512,000 | 781,000 | 1,017,000 |
| Net income | 642,000 | 1,288,000 | 1,977,000 | 2,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,582,000 | 16,044,000 | 16,438,000 | 16,817,000 |
| Total capital | 19,049,000 | 17,383,000 | 17,815,000 | 18,301,000 |
| Risk-weighted assets | 135,280,000 | 137,443,000 | 139,097,000 | 140,135,000 |