Call reports 2012
SJN BANK OF KANSAS — 2012
What SJN BANK OF KANSAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 77,774,000 | 77,846,000 | 76,538,000 | 88,161,000 |
| Total loans | 39,444,000 | 42,368,000 | 41,070,000 | 46,423,000 |
| Allowance for loan losses | 428,000 | 433,000 | 483,000 | 532,000 |
| Securities available for sale | 18,124,000 | 20,611,000 | 20,456,000 | 19,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,165,000 | 67,956,000 | 65,900,000 | 78,097,000 |
| Interest-bearing deposits | 58,790,000 | 57,877,000 | 54,747,000 | 65,934,000 |
| Noninterest-bearing deposits | 9,375,000 | 10,079,000 | 11,153,000 | 12,163,000 |
| Equity capital | 8,782,000 | 9,090,000 | 9,450,000 | 9,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 816,000 | 1,689,000 | 2,557,000 | 3,447,000 |
| Interest expense | 114,000 | 226,000 | 333,000 | 432,000 |
| Net interest income | 702,000 | 1,463,000 | 2,224,000 | 3,015,000 |
| Noninterest income | 163,000 | 358,000 | 546,000 | 786,000 |
| Noninterest expense | 397,000 | 837,000 | 1,321,000 | 2,246,000 |
| Provision for loan losses | 15,000 | 33,000 | 55,000 | 203,000 |
| Pretax income | 591,000 | 1,089,000 | 1,552,000 | 1,512,000 |
| Income tax | 198,000 | 350,000 | 502,000 | 479,000 |
| Net income | 393,000 | 739,000 | 1,050,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,406,000 | 8,652,000 | 8,964,000 | 8,433,000 |
| Total capital | 8,926,000 | 9,085,000 | 9,447,000 | 9,123,000 |
| Risk-weighted assets | 53,355,000 | 52,317,000 | 51,358,000 | 61,849,000 |