Call reports 2013
JOURNEY BANK — 2013
What JOURNEY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 613,724,000 | 622,390,000 | 630,064,000 | 620,918,000 |
| Total loans | 363,549,000 | 383,656,000 | 397,224,000 | 394,757,000 |
| Allowance for loan losses | 6,164,000 | 6,163,000 | 6,128,000 | 6,431,000 |
| Securities available for sale | 183,391,000 | 181,352,000 | 179,120,000 | 175,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,921,000 | 476,884,000 | 460,109,000 | 459,253,000 |
| Interest-bearing deposits | 460,629,000 | 457,213,000 | 442,407,000 | 440,333,000 |
| Noninterest-bearing deposits | 10,292,000 | 19,671,000 | 17,702,000 | 18,920,000 |
| Equity capital | 71,459,000 | 70,962,000 | 70,909,000 | 71,668,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 5,181,000 | 10,235,000 | 15,402,000 | 20,620,000 |
| Interest expense | 677,000 | 1,298,000 | 1,910,000 | 2,506,000 |
| Net interest income | 4,504,000 | 8,937,000 | 13,492,000 | 18,114,000 |
| Noninterest income | 1,653,000 | 3,082,000 | 4,487,000 | 6,004,000 |
| Noninterest expense | 3,873,000 | 7,766,000 | 11,554,000 | 15,022,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 395,000 |
| Pretax income | 2,254,000 | 4,193,000 | 6,335,000 | 8,894,000 |
| Income tax | 555,000 | 1,005,000 | 1,520,000 | 2,118,000 |
| Net income | 1,699,000 | 3,188,000 | 4,815,000 | 6,776,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,708,000 | 61,549,000 | 62,526,000 | 63,840,000 |
| Total capital | 64,861,000 | 65,769,000 | 66,823,000 | 68,129,000 |
| Risk-weighted assets | 329,727,000 | 335,603,000 | 341,849,000 | 340,930,000 |