Call reports 2003
JOURNEY BANK — 2003
What JOURNEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 219,015,000 | 224,715,000 | 231,572,000 | 224,531,000 |
| Total loans | 139,194,000 | 140,773,000 | 145,894,000 | 148,921,000 |
| Allowance for loan losses | 1,511,000 | 1,555,000 | 1,585,000 | 1,532,000 |
| Securities available for sale | 59,956,000 | 63,862,000 | 65,821,000 | 59,510,000 |
| Securities held to maturity | 1,474,000 | 1,360,000 | 1,263,000 | 1,178,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,480,000 | 190,109,000 | 191,599,000 | 185,925,000 |
| Interest-bearing deposits | 170,248,000 | 175,107,000 | 174,845,000 | 169,847,000 |
| Noninterest-bearing deposits | 14,232,000 | 15,002,000 | 16,754,000 | 16,078,000 |
| Equity capital | 17,623,000 | 17,422,000 | 16,930,000 | 16,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,027,000 | 5,957,000 | 8,726,000 | 11,557,000 |
| Interest expense | 953,000 | 1,875,000 | 2,748,000 | 3,575,000 |
| Net interest income | 2,074,000 | 4,082,000 | 5,978,000 | 7,982,000 |
| Noninterest income | 675,000 | 1,318,000 | 1,938,000 | 2,608,000 |
| Noninterest expense | 1,728,000 | 3,439,000 | 5,177,000 | 7,017,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 230,000 |
| Pretax income | 976,000 | 1,871,000 | 2,604,000 | 3,371,000 |
| Income tax | 282,000 | 554,000 | 795,000 | 1,018,000 |
| Net income | 694,000 | 1,317,000 | 1,809,000 | 2,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,260,000 | 17,144,000 | 16,771,000 | 16,110,000 |
| Total capital | 18,771,000 | 18,699,000 | 18,356,000 | 17,642,000 |
| Risk-weighted assets | 142,242,000 | 148,916,000 | 150,046,000 | 148,060,000 |