Call reports 2008
SJN BANK OF KANSAS — 2008
What SJN BANK OF KANSAS reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 39,320,000 | 42,125,000 | 41,182,000 | 46,212,000 |
| Total loans | 25,524,000 | 25,728,000 | 26,997,000 | 28,459,000 |
| Allowance for loan losses | 206,000 | 245,000 | 266,000 | 248,000 |
| Securities available for sale | 5,764,000 | 6,008,000 | 6,709,000 | 8,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,488,000 | 36,340,000 | 35,277,000 | 40,248,000 |
| Interest-bearing deposits | 28,435,000 | 31,393,000 | 30,457,000 | 35,306,000 |
| Noninterest-bearing deposits | 5,053,000 | 4,947,000 | 4,820,000 | 4,942,000 |
| Equity capital | 5,525,000 | 5,492,000 | 5,579,000 | 5,614,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 614,000 | 1,215,000 | 1,833,000 | 2,468,000 |
| Interest expense | 240,000 | 458,000 | 657,000 | 855,000 |
| Net interest income | 374,000 | 757,000 | 1,176,000 | 1,613,000 |
| Noninterest income | 104,000 | 212,000 | 345,000 | 470,000 |
| Noninterest expense | 268,000 | 545,000 | 839,000 | 1,208,000 |
| Provision for loan losses | 3,000 | 11,000 | 36,000 | 102,000 |
| Pretax income | 207,000 | 413,000 | 646,000 | 773,000 |
| Income tax | 72,000 | 140,000 | 213,000 | 236,000 |
| Net income | 135,000 | 273,000 | 433,000 | 537,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,467,000 | 5,506,000 | 5,585,000 | 5,539,000 |
| Total capital | 5,673,000 | 5,751,000 | 5,851,000 | 5,787,000 |
| Risk-weighted assets | 29,703,000 | 30,673,000 | 31,392,000 | 33,676,000 |