Call reports 2006
JOURNEY BANK — 2006
What JOURNEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 261,117,000 | 259,649,000 | 263,282,000 | 301,201,000 |
| Total loans | 138,670,000 | 138,232,000 | 142,418,000 | 156,067,000 |
| Allowance for loan losses | 2,792,000 | 1,499,000 | 1,635,000 | 1,786,000 |
| Securities available for sale | 103,290,000 | 100,278,000 | 95,668,000 | 105,030,000 |
| Securities held to maturity | 182,000 | 151,000 | 135,000 | 112,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,801,000 | 217,103,000 | 221,266,000 | 255,667,000 |
| Interest-bearing deposits | 202,597,000 | 196,070,000 | 193,577,000 | 228,002,000 |
| Noninterest-bearing deposits | 23,204,000 | 21,033,000 | 27,689,000 | 27,665,000 |
| Equity capital | 16,329,000 | 15,832,000 | 20,731,000 | 21,138,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,260,000 | 6,604,000 | 10,037,000 | 13,754,000 |
| Interest expense | 1,417,000 | 2,978,000 | 4,578,000 | 6,262,000 |
| Net interest income | 1,843,000 | 3,626,000 | 5,459,000 | 7,492,000 |
| Noninterest income | 661,000 | 1,461,000 | 2,108,000 | 2,788,000 |
| Noninterest expense | 1,934,000 | 3,898,000 | 5,860,000 | 7,886,000 |
| Provision for loan losses | 100,000 | 400,000 | 550,000 | 750,000 |
| Pretax income | 470,000 | 789,000 | 1,157,000 | 1,644,000 |
| Income tax | 103,000 | 176,000 | 244,000 | 331,000 |
| Net income | 367,000 | 613,000 | 913,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,295,000 | 17,349,000 | 21,455,000 | 17,231,000 |
| Total capital | 19,220,000 | 18,848,000 | 23,090,000 | 19,017,000 |
| Risk-weighted assets | 153,101,000 | 155,614,000 | 157,078,000 | 174,673,000 |