Call reports 2005
SJN BANK OF KANSAS — 2005
What SJN BANK OF KANSAS reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,391,000 | 32,085,000 | 31,336,000 | 34,146,000 |
| Total loans | 17,781,000 | 18,463,000 | 18,446,000 | 18,748,000 |
| Allowance for loan losses | 229,000 | 229,000 | 251,000 | 249,000 |
| Securities available for sale | 9,856,000 | 9,992,000 | 9,583,000 | 8,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,016,000 | 26,552,000 | 25,759,000 | 28,941,000 |
| Interest-bearing deposits | 23,718,000 | 23,447,000 | 22,659,000 | 21,908,000 |
| Noninterest-bearing deposits | 3,298,000 | 3,105,000 | 3,100,000 | 7,033,000 |
| Equity capital | 5,245,000 | 5,376,000 | 5,427,000 | 5,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 419,000 | 845,000 | 1,279,000 | 1,723,000 |
| Interest expense | 93,000 | 195,000 | 311,000 | 443,000 |
| Net interest income | 326,000 | 650,000 | 968,000 | 1,280,000 |
| Noninterest income | 63,000 | 139,000 | 227,000 | 319,000 |
| Noninterest expense | 209,000 | 426,000 | 687,000 | 1,019,000 |
| Provision for loan losses | 0 | 0 | 32,000 | 32,000 |
| Pretax income | 180,000 | 363,000 | 476,000 | 548,000 |
| Income tax | 41,000 | 124,000 | 159,000 | 173,000 |
| Net income | 139,000 | 239,000 | 317,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,294,000 | 5,394,000 | 5,383,000 | 5,180,000 |
| Total capital | 5,523,000 | 5,623,000 | 5,634,000 | 5,429,000 |
| Risk-weighted assets | 21,381,000 | 21,735,000 | 21,875,000 | 22,908,000 |