Call reports 2023
JOURNEY BANK — 2023
What JOURNEY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 951,296,000 | 956,409,000 | 954,008,000 | 1,635,304,000 |
| Total loans | 542,131,000 | 550,871,000 | 556,862,000 | 1,068,795,000 |
| Allowance for loan losses | 6,288,000 | 6,278,000 | 6,094,000 | 9,302,000 |
| Securities available for sale | 341,425,000 | 333,558,000 | 318,884,000 | 410,534,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 676,356,000 | 659,471,000 | 641,578,000 | 1,151,690,000 |
| Interest-bearing deposits | 496,938,000 | 482,962,000 | 474,687,000 | 884,654,000 |
| Noninterest-bearing deposits | 179,418,000 | 176,508,000 | 166,891,000 | 267,036,000 |
| Equity capital | 87,637,000 | 85,498,000 | 83,641,000 | 148,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 7,598,000 | 15,544,000 | 23,914,000 | 38,264,000 |
| Interest expense | 2,413,000 | 5,463,000 | 8,961,000 | 15,085,000 |
| Net interest income | 5,185,000 | 10,081,000 | 14,953,000 | 23,179,000 |
| Noninterest income | 1,707,000 | 3,479,000 | 5,118,000 | 7,240,000 |
| Noninterest expense | 4,790,000 | 9,612,000 | 14,857,000 | 23,889,000 |
| Provision for loan losses | -418,000 | -422,000 | -594,000 | 2,554,000 |
| Pretax income | 2,511,000 | 4,372,000 | 5,807,000 | 4,009,000 |
| Income tax | 497,000 | 829,000 | 992,000 | 414,000 |
| Net income | 2,014,000 | 3,543,000 | 4,815,000 | 3,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 102,706,000 | 103,341,000 | 103,719,000 | 129,053,000 |
| Total capital | — | — | — | 138,382,000 |
| Risk-weighted assets | — | — | — | 954,878,000 |