Call reports 2016
JOURNEY BANK — 2016
What JOURNEY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 645,393,000 | 665,952,000 | 676,653,000 | 669,224,000 |
| Total loans | 428,108,000 | 430,965,000 | 436,249,000 | 440,711,000 |
| Allowance for loan losses | 6,357,000 | 6,381,000 | 6,413,000 | 6,488,000 |
| Securities available for sale | 164,231,000 | 161,721,000 | 172,525,000 | 169,961,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 489,244,000 | 497,598,000 | 500,123,000 | 503,749,000 |
| Interest-bearing deposits | 466,356,000 | 415,528,000 | 396,043,000 | 397,124,000 |
| Noninterest-bearing deposits | 22,888,000 | 82,070,000 | 104,080,000 | 106,625,000 |
| Equity capital | 79,609,000 | 80,949,000 | 81,897,000 | 81,114,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,219,000 | 10,420,000 | 15,705,000 | 21,014,000 |
| Interest expense | 505,000 | 1,028,000 | 1,575,000 | 2,132,000 |
| Net interest income | 4,714,000 | 9,392,000 | 14,130,000 | 18,882,000 |
| Noninterest income | 1,438,000 | 2,978,000 | 4,615,000 | 6,226,000 |
| Noninterest expense | 3,979,000 | 7,883,000 | 11,819,000 | 15,755,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 220,000 |
| Pretax income | 2,143,000 | 4,427,000 | 6,836,000 | 9,133,000 |
| Income tax | 467,000 | 954,000 | 1,511,000 | 2,017,000 |
| Net income | 1,676,000 | 3,473,000 | 5,325,000 | 7,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,035,000 | 73,147,000 | 74,279,000 | 74,851,000 |
| Total capital | 76,934,000 | 77,948,000 | 79,347,000 | 79,903,000 |
| Risk-weighted assets | 390,400,000 | 382,398,000 | 403,995,000 | 402,620,000 |