Call reports 2025
JOURNEY BANK — 2025
What JOURNEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,599,499,000 | 1,613,330,000 | 1,651,984,000 | 1,670,173,000 |
| Total loans | 1,145,966,000 | 1,159,791,000 | 1,171,377,000 | 1,178,428,000 |
| Allowance for loan losses | 9,985,000 | 10,167,000 | 10,548,000 | 9,959,000 |
| Securities available for sale | 306,019,000 | 291,311,000 | 316,333,000 | 325,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,339,421,000 | 1,361,810,000 | 1,397,509,000 | 1,413,365,000 |
| Interest-bearing deposits | 1,064,852,000 | 1,088,383,000 | 1,124,514,000 | 1,135,740,000 |
| Noninterest-bearing deposits | 274,569,000 | 273,427,000 | 272,995,000 | 277,625,000 |
| Equity capital | 167,362,000 | 172,248,000 | 180,440,000 | 188,437,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 20,820,000 | 42,461,000 | 65,039,000 | 87,930,000 |
| Interest expense | 6,973,000 | 13,827,000 | 20,777,000 | 27,419,000 |
| Net interest income | 13,847,000 | 28,634,000 | 44,262,000 | 60,511,000 |
| Noninterest income | 2,410,000 | 5,030,000 | 7,792,000 | 10,518,000 |
| Noninterest expense | 10,904,000 | 20,614,000 | 30,384,000 | 40,410,000 |
| Provision for loan losses | 110,000 | 366,000 | 841,000 | 834,000 |
| Pretax income | 5,243,000 | 12,260,000 | 20,401,000 | 29,358,000 |
| Income tax | 796,000 | 1,982,000 | 3,363,000 | 4,939,000 |
| Net income | 4,447,000 | 10,278,000 | 17,038,000 | 24,419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 146,662,000 | 149,542,000 | 155,117,000 | 161,300,000 |
| Total capital | 156,359,000 | 159,263,000 | 165,092,000 | 170,931,000 |
| Risk-weighted assets | 969,511,000 | 975,502,000 | 988,483,000 | 1,012,354,000 |