Call reports 2003
SJN BANK OF KANSAS — 2003
What SJN BANK OF KANSAS reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 30,358,000 | 31,310,000 | 31,270,000 | 32,700,000 |
| Total loans | 16,097,000 | 16,512,000 | 16,260,000 | 15,848,000 |
| Allowance for loan losses | 234,000 | 234,000 | 230,000 | 231,000 |
| Securities available for sale | 9,756,000 | 9,951,000 | 10,043,000 | 11,415,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,852,000 | 25,634,000 | 25,733,000 | 27,351,000 |
| Interest-bearing deposits | 22,415,000 | 23,164,000 | 23,028,000 | 24,856,000 |
| Noninterest-bearing deposits | 2,437,000 | 2,470,000 | 2,705,000 | 2,495,000 |
| Equity capital | 5,282,000 | 5,426,000 | 5,298,000 | 5,182,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 417,000 | 835,000 | 1,238,000 | 1,632,000 |
| Interest expense | 124,000 | 238,000 | 339,000 | 428,000 |
| Net interest income | 293,000 | 597,000 | 899,000 | 1,204,000 |
| Noninterest income | 41,000 | 99,000 | 156,000 | 215,000 |
| Noninterest expense | 207,000 | 422,000 | 663,000 | 994,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 274,000 | 392,000 | 425,000 |
| Income tax | 43,000 | 86,000 | 129,000 | 123,000 |
| Net income | 84,000 | 188,000 | 263,000 | 302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,150,000 | 5,254,000 | 5,180,000 | 5,069,000 |
| Total capital | 5,384,000 | 5,488,000 | 5,410,000 | 5,300,000 |
| Risk-weighted assets | 19,109,000 | 19,687,000 | 19,574,000 | 19,978,000 |