Call reports 2019
SJN BANK OF KANSAS — 2019
What SJN BANK OF KANSAS reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 141,250,000 | 174,788,000 | 173,671,000 | 181,374,000 |
| Total loans | 82,710,000 | 97,233,000 | 97,119,000 | 97,001,000 |
| Allowance for loan losses | 2,226,000 | 2,383,000 | 2,382,000 | 2,955,000 |
| Securities available for sale | 47,407,000 | 57,264,000 | 54,168,000 | 60,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,667,000 | 158,102,000 | 156,049,000 | 163,902,000 |
| Interest-bearing deposits | 101,156,000 | 126,417,000 | 122,387,000 | 126,992,000 |
| Noninterest-bearing deposits | 19,511,000 | 31,685,000 | 33,662,000 | 36,910,000 |
| Equity capital | 14,949,000 | 15,720,000 | 16,183,000 | 16,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,548,000 | 3,461,000 | 5,492,000 | 7,518,000 |
| Interest expense | 226,000 | 451,000 | 674,000 | 891,000 |
| Net interest income | 1,322,000 | 3,010,000 | 4,818,000 | 6,627,000 |
| Noninterest income | 158,000 | 423,000 | 688,000 | 947,000 |
| Noninterest expense | 959,000 | 2,198,000 | 3,539,000 | 5,229,000 |
| Provision for loan losses | 0 | 150,000 | 400,000 | 1,018,000 |
| Pretax income | 521,000 | 1,085,000 | 1,570,000 | 1,936,000 |
| Income tax | 106,000 | 219,000 | 319,000 | 388,000 |
| Net income | 415,000 | 866,000 | 1,251,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,510,000 | 13,774,000 | 14,091,000 | 14,293,000 |
| Total capital | 14,793,000 | 15,294,000 | 15,598,000 | 15,821,000 |
| Risk-weighted assets | 101,708,000 | 120,796,000 | 119,721,000 | 120,860,000 |