Call reports 2003
FIRST NATIONAL BANK OF LIBERAL — 2003
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 156,856,000 | 156,201,000 | 170,654,000 | 174,707,000 |
| Total loans | 63,084,000 | 59,913,000 | 65,341,000 | 69,201,000 |
| Allowance for loan losses | 2,081,000 | 2,238,000 | 2,277,000 | 2,036,000 |
| Securities available for sale | 85,207,000 | 86,300,000 | 96,062,000 | 93,904,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,655,000 | 133,026,000 | 143,865,000 | 149,045,000 |
| Interest-bearing deposits | 116,492,000 | 118,212,000 | 124,022,000 | 131,446,000 |
| Noninterest-bearing deposits | 16,163,000 | 14,814,000 | 19,843,000 | 17,599,000 |
| Equity capital | 15,733,000 | 15,906,000 | 15,751,000 | 16,480,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,472,000 | 2,712,000 | 4,249,000 | 6,060,000 |
| Interest expense | 593,000 | 1,132,000 | 1,665,000 | 2,177,000 |
| Net interest income | 879,000 | 1,580,000 | 2,584,000 | 3,883,000 |
| Noninterest income | 233,000 | 585,000 | 925,000 | 1,417,000 |
| Noninterest expense | 1,048,000 | 2,131,000 | 3,300,000 | 4,489,000 |
| Provision for loan losses | 0 | 0 | 0 | -400,000 |
| Pretax income | 114,000 | 158,000 | 347,000 | 1,343,000 |
| Income tax | -29,000 | -78,000 | -72,000 | 235,000 |
| Net income | 143,000 | 236,000 | 419,000 | 1,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,956,000 | 15,049,000 | 14,723,000 | 15,431,000 |
| Total capital | 16,026,000 | 16,063,000 | 15,851,000 | 16,597,000 |
| Risk-weighted assets | 84,595,000 | 79,913,000 | 89,106,000 | 92,433,000 |