Call reports 2011
SJN BANK OF KANSAS — 2011
What SJN BANK OF KANSAS reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 70,193,000 | 70,948,000 | 68,744,000 | 72,075,000 |
| Total loans | 36,986,000 | 38,005,000 | 37,640,000 | 39,524,000 |
| Allowance for loan losses | 413,000 | 428,000 | 426,000 | 416,000 |
| Securities available for sale | 18,656,000 | 17,826,000 | 16,993,000 | 17,176,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,188,000 | 62,340,000 | 59,522,000 | 62,838,000 |
| Interest-bearing deposits | 53,819,000 | 53,471,000 | 51,022,000 | 53,777,000 |
| Noninterest-bearing deposits | 8,369,000 | 8,869,000 | 8,500,000 | 9,061,000 |
| Equity capital | 7,481,000 | 7,984,000 | 8,396,000 | 8,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 788,000 | 1,619,000 | 2,471,000 | 3,295,000 |
| Interest expense | 128,000 | 250,000 | 366,000 | 477,000 |
| Net interest income | 660,000 | 1,369,000 | 2,105,000 | 2,818,000 |
| Noninterest income | 165,000 | 357,000 | 558,000 | 762,000 |
| Noninterest expense | 426,000 | 885,000 | 1,325,000 | 2,038,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 396,000 | 833,000 | 1,318,000 | 1,508,000 |
| Income tax | 127,000 | 269,000 | 433,000 | 479,000 |
| Net income | 269,000 | 564,000 | 885,000 | 1,029,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,397,000 | 7,692,000 | 7,962,000 | 8,013,000 |
| Total capital | 7,810,000 | 8,120,000 | 8,388,000 | 8,429,000 |
| Risk-weighted assets | 47,494,000 | 48,744,000 | 46,610,000 | 48,480,000 |