Call reports 2005
JOURNEY BANK — 2005
What JOURNEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 260,695,000 | 257,985,000 | 263,863,000 | 259,888,000 |
| Total loans | 148,291,000 | 146,233,000 | 143,763,000 | 139,232,000 |
| Allowance for loan losses | 1,708,000 | 1,821,000 | 1,884,000 | 2,674,000 |
| Securities available for sale | 93,764,000 | 92,182,000 | 87,728,000 | 99,366,000 |
| Securities held to maturity | 302,000 | 276,000 | 240,000 | 211,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,286,000 | 219,329,000 | 224,830,000 | 223,905,000 |
| Interest-bearing deposits | 205,091,000 | 199,966,000 | 202,913,000 | 202,432,000 |
| Noninterest-bearing deposits | 21,195,000 | 19,363,000 | 21,917,000 | 21,473,000 |
| Equity capital | 16,623,000 | 17,403,000 | 17,360,000 | 16,363,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,134,000 | 6,371,000 | 9,658,000 | 12,873,000 |
| Interest expense | 1,112,000 | 2,345,000 | 3,645,000 | 5,036,000 |
| Net interest income | 2,022,000 | 4,026,000 | 6,013,000 | 7,837,000 |
| Noninterest income | 581,000 | 1,217,000 | 1,841,000 | 2,454,000 |
| Noninterest expense | 1,851,000 | 3,823,000 | 5,803,000 | 7,792,000 |
| Provision for loan losses | 105,000 | 225,000 | 345,000 | 1,305,000 |
| Pretax income | 647,000 | 1,195,000 | 1,706,000 | 1,194,000 |
| Income tax | 196,000 | 342,000 | 452,000 | 216,000 |
| Net income | 451,000 | 853,000 | 1,254,000 | 978,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,174,000 | 17,382,000 | 17,590,000 | 17,120,000 |
| Total capital | 18,882,000 | 19,203,000 | 19,474,000 | 19,062,000 |
| Risk-weighted assets | 161,263,000 | 157,647,000 | 154,980,000 | 154,600,000 |