Call reports 2015
SJN BANK OF KANSAS — 2015
What SJN BANK OF KANSAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,846,000 | 94,072,000 | 94,830,000 | 94,687,000 |
| Total loans | 62,979,000 | 65,033,000 | 66,937,000 | 66,975,000 |
| Allowance for loan losses | 988,000 | 994,000 | 1,095,000 | 1,331,000 |
| Securities available for sale | 13,680,000 | 14,445,000 | 12,533,000 | 12,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,301,000 | 78,843,000 | 74,467,000 | 78,601,000 |
| Interest-bearing deposits | 64,973,000 | 65,237,000 | 61,780,000 | 66,409,000 |
| Noninterest-bearing deposits | 12,328,000 | 13,606,000 | 12,687,000 | 12,192,000 |
| Equity capital | 11,130,000 | 11,365,000 | 11,867,000 | 11,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,133,000 | 2,269,000 | 3,451,000 | 4,642,000 |
| Interest expense | 57,000 | 115,000 | 173,000 | 238,000 |
| Net interest income | 1,076,000 | 2,154,000 | 3,278,000 | 4,404,000 |
| Noninterest income | 132,000 | 288,000 | 447,000 | 630,000 |
| Noninterest expense | 544,000 | 1,124,000 | 1,614,000 | 2,737,000 |
| Provision for loan losses | 20,000 | 30,000 | 130,000 | 365,000 |
| Pretax income | 645,000 | 1,288,000 | 1,981,000 | 1,937,000 |
| Income tax | 224,000 | 447,000 | 687,000 | 656,000 |
| Net income | 421,000 | 841,000 | 1,294,000 | 1,281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,861,000 | 11,176,000 | 11,633,000 | 11,399,000 |
| Total capital | 11,740,000 | 12,097,000 | 12,573,000 | 12,333,000 |
| Risk-weighted assets | 70,247,000 | 73,677,000 | 75,061,000 | 74,331,000 |