Call reports 2007
SJN BANK OF KANSAS — 2007
What SJN BANK OF KANSAS reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 34,222,000 | 35,805,000 | 36,025,000 | 37,053,000 |
| Total loans | 20,676,000 | 22,107,000 | 22,587,000 | 24,274,000 |
| Allowance for loan losses | 277,000 | 242,000 | 238,000 | 207,000 |
| Securities available for sale | 7,539,000 | 6,906,000 | 7,429,000 | 6,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,797,000 | 30,316,000 | 30,407,000 | 31,473,000 |
| Interest-bearing deposits | 25,499,000 | 26,713,000 | 26,285,000 | 27,380,000 |
| Noninterest-bearing deposits | 3,298,000 | 3,603,000 | 4,122,000 | 4,093,000 |
| Equity capital | 5,244,000 | 5,270,000 | 5,368,000 | 5,349,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 544,000 | 1,104,000 | 1,692,000 | 2,306,000 |
| Interest expense | 204,000 | 416,000 | 644,000 | 887,000 |
| Net interest income | 340,000 | 688,000 | 1,048,000 | 1,419,000 |
| Noninterest income | 101,000 | 208,000 | 311,000 | 409,000 |
| Noninterest expense | 243,000 | 511,000 | 772,000 | 1,157,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 198,000 | 385,000 | 587,000 | 671,000 |
| Income tax | 68,000 | 131,000 | 199,000 | 214,000 |
| Net income | 130,000 | 254,000 | 388,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,264,000 | 5,314,000 | 5,364,000 | 5,333,000 |
| Total capital | 5,541,000 | 5,556,000 | 5,602,000 | 5,540,000 |
| Risk-weighted assets | 24,567,000 | 26,008,000 | 26,562,000 | 27,949,000 |