Call reports 2014
SJN BANK OF KANSAS — 2014
What SJN BANK OF KANSAS reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 88,978,000 | 88,602,000 | 89,443,000 | 90,991,000 |
| Total loans | 51,324,000 | 53,676,000 | 58,258,000 | 62,547,000 |
| Allowance for loan losses | 575,000 | 765,000 | 851,000 | 967,000 |
| Securities available for sale | 19,675,000 | 18,500,000 | 15,597,000 | 13,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,128,000 | 77,607,000 | 74,438,000 | 73,926,000 |
| Interest-bearing deposits | 64,477,000 | 63,956,000 | 60,458,000 | 61,511,000 |
| Noninterest-bearing deposits | 13,651,000 | 13,651,000 | 13,980,000 | 12,415,000 |
| Equity capital | 10,228,000 | 10,541,000 | 10,813,000 | 10,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 925,000 | 1,933,000 | 2,970,000 | 4,057,000 |
| Interest expense | 63,000 | 122,000 | 180,000 | 240,000 |
| Net interest income | 862,000 | 1,811,000 | 2,790,000 | 3,817,000 |
| Noninterest income | 142,000 | 281,000 | 438,000 | 579,000 |
| Noninterest expense | 569,000 | 907,000 | 1,507,000 | 2,483,000 |
| Provision for loan losses | -15,000 | 173,000 | 263,000 | 383,000 |
| Pretax income | 452,000 | 1,024,000 | 1,442,000 | 1,508,000 |
| Income tax | -20,000 | 163,000 | 297,000 | 305,000 |
| Net income | 472,000 | 861,000 | 1,145,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,797,000 | 10,025,000 | 10,321,000 | 10,240,000 |
| Total capital | 10,372,000 | 10,790,000 | 11,137,000 | 11,102,000 |
| Risk-weighted assets | 60,688,000 | 62,533,000 | 65,284,000 | 68,791,000 |