Call reports 2008
JOURNEY BANK — 2008
What JOURNEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 325,206,000 | 325,638,000 | 580,103,000 | 565,890,000 |
| Total loans | 165,256,000 | 165,214,000 | 324,746,000 | 320,067,000 |
| Allowance for loan losses | 2,296,000 | 2,292,000 | 3,055,000 | 3,758,000 |
| Securities available for sale | 133,532,000 | 133,067,000 | 205,005,000 | 192,122,000 |
| Securities held to maturity | 46,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 274,194,000 | 267,334,000 | 438,753,000 | 435,541,000 |
| Interest-bearing deposits | 244,385,000 | 238,194,000 | 385,676,000 | 381,613,000 |
| Noninterest-bearing deposits | 29,809,000 | 29,140,000 | 53,077,000 | 53,928,000 |
| Equity capital | 25,544,000 | 24,049,000 | 59,273,000 | 61,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,505,000 | 8,897,000 | 13,703,000 | 21,275,000 |
| Interest expense | 2,012,000 | 3,880,000 | 5,017,000 | 7,402,000 |
| Net interest income | 2,493,000 | 5,017,000 | 8,686,000 | 13,873,000 |
| Noninterest income | 735,000 | 1,591,000 | 2,183,000 | 3,791,000 |
| Noninterest expense | 2,261,000 | 4,630,000 | 7,621,000 | 12,394,000 |
| Provision for loan losses | 25,000 | 25,000 | 0 | 750,000 |
| Pretax income | 942,000 | 1,953,000 | 3,248,000 | 4,520,000 |
| Income tax | 230,000 | 538,000 | 776,000 | 1,102,000 |
| Net income | 712,000 | 1,415,000 | 2,472,000 | 3,418,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,866,000 | 19,375,000 | 48,489,000 | 48,358,000 |
| Total capital | 21,139,000 | 21,656,000 | 51,554,000 | 52,126,000 |
| Risk-weighted assets | 181,821,000 | 182,439,000 | 348,526,000 | 337,730,000 |