Call reports 2014
JOURNEY BANK — 2014
What JOURNEY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 620,930,000 | 618,466,000 | 628,691,000 | 636,132,000 |
| Total loans | 388,257,000 | 391,841,000 | 402,491,000 | 406,736,000 |
| Allowance for loan losses | 6,424,000 | 6,377,000 | 6,161,000 | 6,253,000 |
| Securities available for sale | 180,442,000 | 175,671,000 | 167,579,000 | 171,601,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 466,829,000 | 468,408,000 | 460,426,000 | 471,639,000 |
| Interest-bearing deposits | 449,275,000 | 447,980,000 | 442,618,000 | 453,034,000 |
| Noninterest-bearing deposits | 17,554,000 | 20,428,000 | 17,808,000 | 18,605,000 |
| Equity capital | 72,953,000 | 74,197,000 | 75,317,000 | 76,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 5,059,000 | 10,169,000 | 15,241,000 | 20,351,000 |
| Interest expense | 556,000 | 1,068,000 | 1,551,000 | 2,031,000 |
| Net interest income | 4,503,000 | 9,101,000 | 13,690,000 | 18,320,000 |
| Noninterest income | 1,264,000 | 2,721,000 | 4,367,000 | 6,175,000 |
| Noninterest expense | 3,814,000 | 7,650,000 | 11,698,000 | 15,622,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 270,000 |
| Pretax income | 1,923,000 | 4,112,000 | 6,269,000 | 8,603,000 |
| Income tax | 414,000 | 971,000 | 1,495,000 | 2,011,000 |
| Net income | 1,509,000 | 3,141,000 | 4,774,000 | 6,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,683,000 | 65,638,000 | 66,598,000 | 67,745,000 |
| Total capital | 69,004,000 | 70,010,000 | 71,041,000 | 72,202,000 |
| Risk-weighted assets | 343,584,000 | 347,656,000 | 355,242,000 | 357,338,000 |