Call reports 2006
FIRST NATIONAL BANK OF LIBERAL — 2006
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 162,646,000 | 165,193,000 | 170,963,000 | 180,527,000 |
| Total loans | 66,861,000 | 69,541,000 | 79,858,000 | 88,076,000 |
| Allowance for loan losses | 1,311,000 | 1,331,000 | 1,305,000 | 1,306,000 |
| Securities available for sale | 86,415,000 | 85,463,000 | 83,273,000 | 81,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 142,123,000 | 139,487,000 | 142,800,000 | 161,695,000 |
| Interest-bearing deposits | 121,498,000 | 119,687,000 | 122,186,000 | 140,636,000 |
| Noninterest-bearing deposits | 20,625,000 | 19,800,000 | 20,614,000 | 21,059,000 |
| Equity capital | 15,499,000 | 14,805,000 | 16,097,000 | 16,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,281,000 | 4,495,000 | 6,888,000 | 9,436,000 |
| Interest expense | 826,000 | 1,740,000 | 2,774,000 | 3,916,000 |
| Net interest income | 1,455,000 | 2,755,000 | 4,114,000 | 5,520,000 |
| Noninterest income | 310,000 | 626,000 | 1,075,000 | 1,403,000 |
| Noninterest expense | 1,196,000 | 2,426,000 | 3,657,000 | 4,822,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 569,000 | 917,000 | 1,496,000 | 2,067,000 |
| Income tax | 110,000 | 136,000 | 248,000 | 362,000 |
| Net income | 459,000 | 781,000 | 1,248,000 | 1,705,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,029,000 | 13,160,000 | 16,356,000 | 16,581,000 |
| Total capital | 17,155,000 | 14,305,000 | 17,574,000 | 17,881,000 |
| Risk-weighted assets | 92,475,000 | 91,412,000 | 97,325,000 | 103,967,000 |