Call reports 2015
JOURNEY BANK — 2015
What JOURNEY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 634,516,000 | 632,489,000 | 649,494,000 | 643,299,000 |
| Total loans | 405,836,000 | 411,784,000 | 416,409,000 | 423,862,000 |
| Allowance for loan losses | 6,235,000 | 6,251,000 | 6,158,000 | 6,359,000 |
| Securities available for sale | 168,786,000 | 167,468,000 | 175,663,000 | 168,190,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 474,634,000 | 468,013,000 | 462,785,000 | 477,910,000 |
| Interest-bearing deposits | 455,243,000 | 448,926,000 | 442,316,000 | 457,048,000 |
| Noninterest-bearing deposits | 19,391,000 | 19,087,000 | 20,469,000 | 20,862,000 |
| Equity capital | 77,861,000 | 78,211,000 | 79,101,000 | 78,967,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 5,154,000 | 10,195,000 | 15,311,000 | 20,524,000 |
| Interest expense | 469,000 | 929,000 | 1,390,000 | 1,884,000 |
| Net interest income | 4,685,000 | 9,266,000 | 13,921,000 | 18,640,000 |
| Noninterest income | 1,414,000 | 2,994,000 | 4,583,000 | 6,183,000 |
| Noninterest expense | 3,893,000 | 7,731,000 | 11,686,000 | 15,526,000 |
| Provision for loan losses | 57,000 | 87,000 | 117,000 | 397,000 |
| Pretax income | 2,149,000 | 4,442,000 | 6,701,000 | 8,900,000 |
| Income tax | 472,000 | 1,037,000 | 1,514,000 | 2,004,000 |
| Net income | 1,677,000 | 3,405,000 | 5,187,000 | 6,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,853,000 | 70,798,000 | 71,161,000 | 71,638,000 |
| Total capital | 74,764,000 | 75,766,000 | 75,999,000 | 76,611,000 |
| Risk-weighted assets | 391,528,000 | 396,010,000 | 385,670,000 | 396,409,000 |