Call reports 2025
SJN BANK OF KANSAS — 2025
What SJN BANK OF KANSAS reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 268,341,000 | 272,197,000 | 277,783,000 | 314,897,000 |
| Total loans | 158,140,000 | 161,001,000 | 170,550,000 | 203,379,000 |
| Allowance for loan losses | 3,371,000 | 3,377,000 | 3,283,000 | 3,565,000 |
| Securities available for sale | 94,606,000 | 94,689,000 | 92,721,000 | 92,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,647,000 | 197,291,000 | 199,943,000 | 260,291,000 |
| Interest-bearing deposits | 161,544,000 | 158,216,000 | 158,480,000 | 199,187,000 |
| Noninterest-bearing deposits | 41,103,000 | 39,075,000 | 41,463,000 | 61,104,000 |
| Equity capital | 23,097,000 | 24,153,000 | 26,492,000 | 26,768,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,687,000 | 7,538,000 | 11,750,000 | 16,153,000 |
| Interest expense | 1,337,000 | 2,619,000 | 3,973,000 | 5,381,000 |
| Net interest income | 2,350,000 | 4,919,000 | 7,777,000 | 10,772,000 |
| Noninterest income | 91,000 | 207,000 | 317,000 | 469,000 |
| Noninterest expense | 1,398,000 | 2,842,000 | 4,438,000 | 6,930,000 |
| Provision for loan losses | 0 | 0 | 0 | 400,000 |
| Pretax income | 989,000 | 2,257,000 | 3,672,000 | 3,660,000 |
| Income tax | 180,000 | 497,000 | 817,000 | 827,000 |
| Net income | 809,000 | 1,760,000 | 2,855,000 | 2,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,655,000 | 26,605,000 | 27,700,000 | 26,011,000 |
| Total capital | 28,016,000 | 28,993,000 | 30,199,000 | 28,872,000 |
| Risk-weighted assets | 187,644,000 | 189,846,000 | 198,966,000 | 228,004,000 |
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