Call reports 2010
SJN BANK OF KANSAS — 2010
What SJN BANK OF KANSAS reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 60,932,000 | 62,163,000 | 62,299,000 | 64,282,000 |
| Total loans | 33,719,000 | 34,631,000 | 35,424,000 | 37,845,000 |
| Allowance for loan losses | 335,000 | 341,000 | 351,000 | 388,000 |
| Securities available for sale | 11,566,000 | 17,053,000 | 16,586,000 | 16,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,994,000 | 54,788,000 | 54,162,000 | 56,600,000 |
| Interest-bearing deposits | 48,418,000 | 48,833,000 | 47,061,000 | 49,310,000 |
| Noninterest-bearing deposits | 5,576,000 | 5,955,000 | 7,101,000 | 7,291,000 |
| Equity capital | 6,553,000 | 6,887,000 | 7,407,000 | 7,170,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 704,000 | 1,484,000 | 2,280,000 | 3,070,000 |
| Interest expense | 168,000 | 321,000 | 466,000 | 601,000 |
| Net interest income | 536,000 | 1,163,000 | 1,814,000 | 2,469,000 |
| Noninterest income | 125,000 | 260,000 | 425,000 | 620,000 |
| Noninterest expense | 393,000 | 792,000 | 1,196,000 | 1,872,000 |
| Provision for loan losses | 10,000 | 10,000 | 20,000 | 55,000 |
| Pretax income | 276,000 | 639,000 | 1,083,000 | 1,222,000 |
| Income tax | 85,000 | 200,000 | 337,000 | 345,000 |
| Net income | 191,000 | 439,000 | 746,000 | 877,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,511,000 | 6,759,000 | 7,066,000 | 7,128,000 |
| Total capital | 6,846,000 | 7,100,000 | 7,417,000 | 7,516,000 |
| Risk-weighted assets | 41,132,000 | 42,068,000 | 43,438,000 | 46,528,000 |