Call reports 2023
SJN BANK OF KANSAS — 2023
What SJN BANK OF KANSAS reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 240,567,000 | 235,423,000 | 235,728,000 | 237,689,000 |
| Total loans | 114,087,000 | 124,688,000 | 127,860,000 | 131,484,000 |
| Allowance for loan losses | 3,405,000 | 3,388,000 | 3,351,000 | 3,358,000 |
| Securities available for sale | 110,922,000 | 94,342,000 | 89,575,000 | 88,745,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,923,000 | 186,103,000 | 178,964,000 | 196,425,000 |
| Interest-bearing deposits | 152,639,000 | 141,329,000 | 134,944,000 | 147,263,000 |
| Noninterest-bearing deposits | 48,284,000 | 44,774,000 | 44,020,000 | 49,162,000 |
| Equity capital | 18,187,000 | 18,257,000 | 16,764,000 | 20,243,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,442,000 | 5,161,000 | 8,094,000 | 11,125,000 |
| Interest expense | 434,000 | 1,209,000 | 2,166,000 | 3,186,000 |
| Net interest income | 2,008,000 | 3,952,000 | 5,928,000 | 7,939,000 |
| Noninterest income | 105,000 | 220,000 | 326,000 | 430,000 |
| Noninterest expense | 1,167,000 | 2,522,000 | 3,913,000 | 5,448,000 |
| Provision for loan losses | 0 | -17,000 | -17,000 | -17,000 |
| Pretax income | 939,000 | 1,345,000 | 1,389,000 | 1,503,000 |
| Income tax | 208,000 | 284,000 | 272,000 | 274,000 |
| Net income | 731,000 | 1,061,000 | 1,117,000 | 1,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,780,000 | 23,207,000 | 23,361,000 | 23,270,000 |
| Total capital | 24,586,000 | 25,137,000 | 25,338,000 | 25,281,000 |
| Risk-weighted assets | 142,714,000 | 152,775,000 | 156,605,000 | 159,371,000 |