Call reports 2004
SJN BANK OF KANSAS — 2004
What SJN BANK OF KANSAS reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,083,000 | 31,961,000 | 31,680,000 | 33,437,000 |
| Total loans | 16,505,000 | 16,654,000 | 17,489,000 | 17,263,000 |
| Allowance for loan losses | 228,000 | 224,000 | 224,000 | 228,000 |
| Securities available for sale | 11,805,000 | 11,032,000 | 10,404,000 | 10,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,565,000 | 26,561,000 | 26,236,000 | 28,091,000 |
| Interest-bearing deposits | 24,365,000 | 23,554,000 | 23,346,000 | 25,083,000 |
| Noninterest-bearing deposits | 3,200,000 | 3,007,000 | 2,890,000 | 3,008,000 |
| Equity capital | 5,313,000 | 5,292,000 | 5,262,000 | 5,186,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 404,000 | 812,000 | 1,230,000 | 1,646,000 |
| Interest expense | 84,000 | 160,000 | 239,000 | 323,000 |
| Net interest income | 320,000 | 652,000 | 991,000 | 1,323,000 |
| Noninterest income | 50,000 | 121,000 | 179,000 | 235,000 |
| Noninterest expense | 216,000 | 450,000 | 670,000 | 996,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 154,000 | 323,000 | 500,000 | 562,000 |
| Income tax | 44,000 | 89,000 | 133,000 | 176,000 |
| Net income | 110,000 | 234,000 | 367,000 | 386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,180,000 | 5,303,000 | 5,201,000 | 5,155,000 |
| Total capital | 5,408,000 | 5,527,000 | 5,425,000 | 5,383,000 |
| Risk-weighted assets | 20,441,000 | 20,438,000 | 20,978,000 | 21,379,000 |