Call reports 2004
FIRST NATIONAL BANK OF LIBERAL — 2004
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 167,185,000 | 166,637,000 | 161,079,000 | 168,918,000 |
| Total loans | 61,518,000 | 62,148,000 | 63,292,000 | 66,958,000 |
| Allowance for loan losses | 2,055,000 | 2,079,000 | 2,101,000 | 1,329,000 |
| Securities available for sale | 95,007,000 | 95,067,000 | 88,921,000 | 85,271,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,757,000 | 139,184,000 | 134,836,000 | 147,058,000 |
| Interest-bearing deposits | 124,601,000 | 122,144,000 | 117,373,000 | 128,168,000 |
| Noninterest-bearing deposits | 18,156,000 | 17,040,000 | 17,463,000 | 18,890,000 |
| Equity capital | 15,988,000 | 15,296,000 | 15,958,000 | 15,479,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,690,000 | 3,414,000 | 5,095,000 | 6,909,000 |
| Interest expense | 470,000 | 921,000 | 1,368,000 | 1,829,000 |
| Net interest income | 1,220,000 | 2,493,000 | 3,727,000 | 5,080,000 |
| Noninterest income | 818,000 | 1,201,000 | 1,608,000 | 1,972,000 |
| Noninterest expense | 1,264,000 | 2,430,000 | 3,605,000 | 4,778,000 |
| Provision for loan losses | 0 | 0 | 0 | -775,000 |
| Pretax income | 847,000 | 1,337,000 | 1,802,000 | 3,078,000 |
| Income tax | 254,000 | 363,000 | 462,000 | 851,000 |
| Net income | 593,000 | 974,000 | 1,340,000 | 2,227,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,781,000 | 15,181,000 | 15,266,000 | 15,121,000 |
| Total capital | 15,836,000 | 16,253,000 | 16,337,000 | 16,244,000 |
| Risk-weighted assets | 83,380,000 | 84,749,000 | 84,677,000 | 89,614,000 |