Call reports 2005
FIRST NATIONAL BANK OF LIBERAL — 2005
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 164,730,000 | 164,692,000 | 166,476,000 | 168,782,000 |
| Total loans | 62,183,000 | 62,092,000 | 70,426,000 | 72,685,000 |
| Allowance for loan losses | 1,344,000 | 1,331,000 | 1,333,000 | 1,307,000 |
| Securities available for sale | 92,740,000 | 93,091,000 | 86,868,000 | 84,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,156,000 | 141,586,000 | 135,002,000 | 148,245,000 |
| Interest-bearing deposits | 124,674,000 | 121,989,000 | 115,481,000 | 128,857,000 |
| Noninterest-bearing deposits | 19,482,000 | 19,597,000 | 19,521,000 | 19,388,000 |
| Equity capital | 15,356,000 | 15,468,000 | 15,493,000 | 15,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,801,000 | 3,723,000 | 5,778,000 | 7,963,000 |
| Interest expense | 511,000 | 1,096,000 | 1,792,000 | 2,568,000 |
| Net interest income | 1,290,000 | 2,627,000 | 3,986,000 | 5,395,000 |
| Noninterest income | 342,000 | 666,000 | 984,000 | 1,315,000 |
| Noninterest expense | 1,163,000 | 2,344,000 | 3,525,000 | 4,672,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 469,000 | 900,000 | 1,383,000 | 1,947,000 |
| Income tax | 80,000 | 149,000 | 231,000 | 341,000 |
| Net income | 389,000 | 751,000 | 1,152,000 | 1,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,529,000 | 15,209,000 | 15,628,000 | 15,802,000 |
| Total capital | 16,610,000 | 16,292,000 | 16,787,000 | 16,966,000 |
| Risk-weighted assets | 86,229,000 | 86,410,000 | 92,508,000 | 92,952,000 |