Call reports 2009
SJN BANK OF KANSAS — 2009
What SJN BANK OF KANSAS reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 45,624,000 | 46,757,000 | 57,838,000 | 58,726,000 |
| Total loans | 28,886,000 | 30,467,000 | 31,732,000 | 33,243,000 |
| Allowance for loan losses | 263,000 | 286,000 | 353,000 | 326,000 |
| Securities available for sale | 8,626,000 | 8,864,000 | 8,603,000 | 8,447,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,459,000 | 40,775,000 | 50,468,000 | 51,747,000 |
| Interest-bearing deposits | 34,533,000 | 36,192,000 | 44,815,000 | 45,106,000 |
| Noninterest-bearing deposits | 4,926,000 | 4,583,000 | 5,653,000 | 6,641,000 |
| Equity capital | 5,775,000 | 5,692,000 | 6,952,000 | 6,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 656,000 | 1,333,000 | 2,039,000 | 2,755,000 |
| Interest expense | 192,000 | 372,000 | 565,000 | 754,000 |
| Net interest income | 464,000 | 961,000 | 1,474,000 | 2,001,000 |
| Noninterest income | 126,000 | 250,000 | 393,000 | 506,000 |
| Noninterest expense | 279,000 | 574,000 | 985,000 | 1,457,000 |
| Provision for loan losses | 12,000 | 128,000 | 203,000 | 317,000 |
| Pretax income | 299,000 | 510,000 | 680,000 | 734,000 |
| Income tax | 98,000 | 161,000 | 206,000 | 208,000 |
| Net income | 201,000 | 349,000 | 474,000 | 526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,740,000 | 5,689,000 | 6,813,000 | 6,616,000 |
| Total capital | 6,003,000 | 5,975,000 | 7,166,000 | 6,942,000 |
| Risk-weighted assets | 33,395,000 | 35,313,000 | 38,929,000 | 40,496,000 |