Call reports 2004
JOURNEY BANK — 2004
What JOURNEY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 226,504,000 | 227,743,000 | 243,753,000 | 249,507,000 |
| Total loans | 150,129,000 | 149,284,000 | 149,428,000 | 145,638,000 |
| Allowance for loan losses | 1,583,000 | 1,562,000 | 1,629,000 | 1,613,000 |
| Securities available for sale | 59,549,000 | 61,335,000 | 75,426,000 | 83,589,000 |
| Securities held to maturity | 1,115,000 | 404,000 | 364,000 | 335,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 195,832,000 | 192,026,000 | 199,693,000 | 216,814,000 |
| Interest-bearing deposits | 179,569,000 | 174,866,000 | 181,026,000 | 197,306,000 |
| Noninterest-bearing deposits | 16,263,000 | 17,160,000 | 18,667,000 | 19,508,000 |
| Equity capital | 17,024,000 | 16,215,000 | 17,244,000 | 17,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,803,000 | 5,597,000 | 8,481,000 | 11,502,000 |
| Interest expense | 812,000 | 1,657,000 | 2,568,000 | 3,627,000 |
| Net interest income | 1,991,000 | 3,940,000 | 5,913,000 | 7,875,000 |
| Noninterest income | 663,000 | 1,345,000 | 1,970,000 | 2,637,000 |
| Noninterest expense | 1,757,000 | 3,498,000 | 5,255,000 | 7,079,000 |
| Provision for loan losses | 53,000 | 105,000 | 170,000 | 360,000 |
| Pretax income | 844,000 | 1,682,000 | 2,458,000 | 3,073,000 |
| Income tax | 254,000 | 508,000 | 747,000 | 922,000 |
| Net income | 590,000 | 1,174,000 | 1,711,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,491,000 | 16,760,000 | 17,089,000 | 16,918,000 |
| Total capital | 18,074,000 | 18,322,000 | 18,718,000 | 18,531,000 |
| Risk-weighted assets | 147,026,000 | 152,283,000 | 158,634,000 | 157,157,000 |