Call reports 2009
JOURNEY BANK — 2009
What JOURNEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 567,563,000 | 568,211,000 | 590,615,000 | 600,374,000 |
| Total loans | 325,050,000 | 328,169,000 | 331,099,000 | 330,489,000 |
| Allowance for loan losses | 3,753,000 | 3,762,000 | 3,934,000 | 4,210,000 |
| Securities available for sale | 192,447,000 | 193,333,000 | 213,696,000 | 218,569,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 447,806,000 | 442,249,000 | 443,023,000 | 463,081,000 |
| Interest-bearing deposits | 434,041,000 | 428,463,000 | 430,105,000 | 448,664,000 |
| Noninterest-bearing deposits | 13,765,000 | 13,786,000 | 12,918,000 | 14,417,000 |
| Equity capital | 63,083,000 | 64,116,000 | 65,922,000 | 65,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 7,243,000 | 14,239,000 | 21,233,000 | 28,365,000 |
| Interest expense | 2,231,000 | 4,379,000 | 6,490,000 | 8,485,000 |
| Net interest income | 5,012,000 | 9,860,000 | 14,743,000 | 19,880,000 |
| Noninterest income | 1,154,000 | 2,496,000 | 3,787,000 | 5,432,000 |
| Noninterest expense | 3,920,000 | 7,916,000 | 11,799,000 | 15,794,000 |
| Provision for loan losses | 60,000 | 220,000 | 530,000 | 1,025,000 |
| Pretax income | 2,186,000 | 4,220,000 | 6,199,000 | 8,491,000 |
| Income tax | 600,000 | 1,025,000 | 1,509,000 | 2,259,000 |
| Net income | 1,586,000 | 3,195,000 | 4,690,000 | 6,232,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,593,000 | 50,829,000 | 51,843,000 | 52,438,000 |
| Total capital | 53,356,000 | 54,601,000 | 55,787,000 | 56,498,000 |
| Risk-weighted assets | 322,344,000 | 322,990,000 | 324,650,000 | 338,465,000 |