Call reports 2007
JOURNEY BANK — 2007
What JOURNEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 299,919,000 | 303,368,000 | 311,963,000 | 312,356,000 |
| Total loans | 160,799,000 | 162,951,000 | 160,635,000 | 161,575,000 |
| Allowance for loan losses | 1,807,000 | 1,961,000 | 1,987,000 | 2,033,000 |
| Securities available for sale | 108,523,000 | 113,508,000 | 115,844,000 | 121,023,000 |
| Securities held to maturity | 97,000 | 83,000 | 69,000 | 57,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,673,000 | 261,625,000 | 261,148,000 | 259,675,000 |
| Interest-bearing deposits | 224,217,000 | 230,189,000 | 227,127,000 | 230,094,000 |
| Noninterest-bearing deposits | 31,456,000 | 31,436,000 | 34,021,000 | 29,581,000 |
| Equity capital | 21,464,000 | 20,874,000 | 22,322,000 | 23,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,158,000 | 8,463,000 | 12,974,000 | 17,548,000 |
| Interest expense | 1,926,000 | 3,897,000 | 5,968,000 | 8,090,000 |
| Net interest income | 2,232,000 | 4,566,000 | 7,006,000 | 9,458,000 |
| Noninterest income | 758,000 | 1,618,000 | 2,461,000 | 3,304,000 |
| Noninterest expense | 2,300,000 | 4,498,000 | 6,720,000 | 8,758,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | -366,000 | 413,000 | 1,399,000 | 2,581,000 |
| Income tax | -185,000 | -5,000 | 226,000 | 545,000 |
| Net income | -181,000 | 418,000 | 1,173,000 | 2,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,873,000 | 17,288,000 | 17,852,000 | 18,522,000 |
| Total capital | 18,680,000 | 19,249,000 | 19,839,000 | 20,555,000 |
| Risk-weighted assets | 174,636,000 | 180,295,000 | 177,489,000 | 177,489,000 |