Call reports 2019
JOURNEY BANK — 2019
What JOURNEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 721,800,000 | 726,302,000 | 753,804,000 | 738,419,000 |
| Total loans | 485,042,000 | 483,309,000 | 481,143,000 | 474,756,000 |
| Allowance for loan losses | 7,265,000 | 7,306,000 | 7,510,000 | 8,054,000 |
| Securities available for sale | 164,144,000 | 167,892,000 | 180,369,000 | 197,004,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 529,415,000 | 530,240,000 | 536,388,000 | 530,585,000 |
| Interest-bearing deposits | 410,161,000 | 407,498,000 | 412,040,000 | 409,311,000 |
| Noninterest-bearing deposits | 119,254,000 | 122,742,000 | 124,348,000 | 121,274,000 |
| Equity capital | 90,503,000 | 92,653,000 | 94,257,000 | 95,412,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 6,521,000 | 13,000,000 | 19,694,000 | 26,328,000 |
| Interest expense | 1,172,000 | 2,357,000 | 3,576,000 | 4,716,000 |
| Net interest income | 5,349,000 | 10,643,000 | 16,118,000 | 21,612,000 |
| Noninterest income | 1,570,000 | 3,470,000 | 5,250,000 | 6,927,000 |
| Noninterest expense | 4,490,000 | 8,691,000 | 12,946,000 | 17,289,000 |
| Provision for loan losses | 30,000 | 60,000 | 358,000 | 955,000 |
| Pretax income | 2,399,000 | 5,310,000 | 8,012,000 | 10,243,000 |
| Income tax | 349,000 | 816,000 | 1,207,000 | 1,536,000 |
| Net income | 2,050,000 | 4,494,000 | 6,805,000 | 8,707,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,306,000 | 85,293,000 | 86,795,000 | 87,889,000 |
| Total capital | 89,783,000 | 90,755,000 | 92,262,000 | 93,325,000 |
| Risk-weighted assets | 436,328,000 | 435,036,000 | 435,235,000 | 432,197,000 |