Call reports 2016
SJN BANK OF KANSAS — 2016
What SJN BANK OF KANSAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 96,565,000 | 98,765,000 | 99,783,000 | 101,040,000 |
| Total loans | 64,374,000 | 64,384,000 | 66,458,000 | 65,263,000 |
| Allowance for loan losses | 1,332,000 | 1,335,000 | 1,335,000 | 1,492,000 |
| Securities available for sale | 14,159,000 | 16,217,000 | 19,261,000 | 18,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,849,000 | 79,807,000 | 76,487,000 | 78,352,000 |
| Interest-bearing deposits | 68,045,000 | 67,563,000 | 64,444,000 | 65,036,000 |
| Noninterest-bearing deposits | 11,804,000 | 12,244,000 | 12,043,000 | 13,316,000 |
| Equity capital | 12,057,000 | 12,375,000 | 12,716,000 | 12,174,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,173,000 | 2,335,000 | 3,534,000 | 4,716,000 |
| Interest expense | 87,000 | 175,000 | 270,000 | 372,000 |
| Net interest income | 1,086,000 | 2,160,000 | 3,264,000 | 4,344,000 |
| Noninterest income | 133,000 | 290,000 | 444,000 | 590,000 |
| Noninterest expense | 528,000 | 1,104,000 | 1,676,000 | 2,809,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 250,000 |
| Pretax income | 703,000 | 1,393,000 | 1,996,000 | 1,948,000 |
| Income tax | 244,000 | 479,000 | 672,000 | 625,000 |
| Net income | 459,000 | 914,000 | 1,324,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,808,000 | 12,068,000 | 12,486,000 | 12,341,000 |
| Total capital | 12,711,000 | 12,998,000 | 13,448,000 | 13,305,000 |
| Risk-weighted assets | 71,890,000 | 74,023,000 | 76,605,000 | 76,627,000 |