Call reports 2006
SJN BANK OF KANSAS — 2006
What SJN BANK OF KANSAS reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 31,957,000 | 32,592,000 | 34,016,000 | 34,170,000 |
| Total loans | 19,226,000 | 20,351,000 | 20,573,000 | 20,233,000 |
| Allowance for loan losses | 249,000 | 251,000 | 251,000 | 275,000 |
| Securities available for sale | 8,677,000 | 8,630,000 | 7,830,000 | 7,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,560,000 | 27,155,000 | 28,483,000 | 28,876,000 |
| Interest-bearing deposits | 23,424,000 | 23,277,000 | 24,993,000 | 25,175,000 |
| Noninterest-bearing deposits | 3,136,000 | 3,878,000 | 3,490,000 | 3,701,000 |
| Equity capital | 5,230,000 | 5,255,000 | 5,301,000 | 5,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 946,000 | 1,450,000 | 1,994,000 |
| Interest expense | 139,000 | 297,000 | 477,000 | 682,000 |
| Net interest income | 324,000 | 649,000 | 973,000 | 1,312,000 |
| Noninterest income | 97,000 | 219,000 | 328,000 | 428,000 |
| Noninterest expense | 232,000 | 464,000 | 712,000 | 1,100,000 |
| Provision for loan losses | 0 | 0 | 0 | 35,000 |
| Pretax income | 189,000 | 404,000 | 589,000 | 605,000 |
| Income tax | 65,000 | 141,000 | 205,000 | 186,000 |
| Net income | 124,000 | 263,000 | 384,000 | 419,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,304,000 | 5,344,000 | 5,334,000 | 5,134,000 |
| Total capital | 5,553,000 | 5,595,000 | 5,585,000 | 5,409,000 |
| Risk-weighted assets | 22,939,000 | 23,700,000 | 23,920,000 | 23,649,000 |