Call reports 2020
SJN BANK OF KANSAS — 2020
What SJN BANK OF KANSAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 188,274,000 | 209,749,000 | 207,352,000 | 218,309,000 |
| Total loans | 97,196,000 | 102,848,000 | 103,444,000 | 102,119,000 |
| Allowance for loan losses | 2,682,000 | 2,785,000 | 3,283,000 | 3,701,000 |
| Securities available for sale | 68,187,000 | 71,597,000 | 80,421,000 | 88,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,602,000 | 176,616,000 | 173,577,000 | 188,189,000 |
| Interest-bearing deposits | 132,134,000 | 141,180,000 | 138,772,000 | 142,983,000 |
| Noninterest-bearing deposits | 32,468,000 | 35,436,000 | 34,805,000 | 45,206,000 |
| Equity capital | 17,106,000 | 18,188,000 | 18,798,000 | 18,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,921,000 | 3,970,000 | 5,782,000 | 7,612,000 |
| Interest expense | 222,000 | 424,000 | 608,000 | 773,000 |
| Net interest income | 1,699,000 | 3,546,000 | 5,174,000 | 6,839,000 |
| Noninterest income | 204,000 | 414,000 | 1,161,000 | 1,360,000 |
| Noninterest expense | 1,251,000 | 2,489,000 | 3,794,000 | 5,210,000 |
| Provision for loan losses | 0 | 100,000 | 600,000 | 1,100,000 |
| Pretax income | 739,000 | 1,456,000 | 2,054,000 | 2,010,000 |
| Income tax | 159,000 | 308,000 | 294,000 | 261,000 |
| Net income | 580,000 | 1,148,000 | 1,760,000 | 1,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,970,000 | 15,636,000 | 16,346,000 | 16,233,000 |
| Total capital | 16,541,000 | 17,259,000 | 18,029,000 | 17,899,000 |
| Risk-weighted assets | 124,606,000 | 128,750,000 | 133,054,000 | 131,301,000 |