Call reports 2012
JOURNEY BANK — 2012
What JOURNEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 629,081,000 | 611,767,000 | 641,925,000 | 605,052,000 |
| Total loans | 347,500,000 | 356,800,000 | 360,781,000 | 374,765,000 |
| Allowance for loan losses | 5,419,000 | 5,429,000 | 5,694,000 | 6,185,000 |
| Securities available for sale | 210,397,000 | 187,382,000 | 185,059,000 | 168,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,774,000 | 479,449,000 | 490,229,000 | 463,122,000 |
| Interest-bearing deposits | 463,953,000 | 460,486,000 | 467,405,000 | 441,574,000 |
| Noninterest-bearing deposits | 19,821,000 | 18,963,000 | 22,824,000 | 21,548,000 |
| Equity capital | 68,676,000 | 70,025,000 | 71,167,000 | 71,745,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 5,764,000 | 11,524,000 | 17,174,000 | 22,586,000 |
| Interest expense | 1,007,000 | 1,887,000 | 2,717,000 | 3,468,000 |
| Net interest income | 4,757,000 | 9,637,000 | 14,457,000 | 19,118,000 |
| Noninterest income | 1,594,000 | 3,278,000 | 5,057,000 | 6,974,000 |
| Noninterest expense | 3,884,000 | 7,861,000 | 11,820,000 | 15,682,000 |
| Provision for loan losses | 30,000 | 60,000 | 365,000 | 835,000 |
| Pretax income | 2,437,000 | 4,994,000 | 7,329,000 | 9,575,000 |
| Income tax | 614,000 | 1,258,000 | 1,832,000 | 2,382,000 |
| Net income | 1,823,000 | 3,736,000 | 5,497,000 | 7,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,045,000 | 58,414,000 | 59,558,000 | 60,638,000 |
| Total capital | 61,357,000 | 62,596,000 | 63,770,000 | 64,964,000 |
| Risk-weighted assets | 343,797,000 | 333,068,000 | 335,376,000 | 344,118,000 |