Call reports 2007
FIRST NATIONAL BANK OF LIBERAL — 2007
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 181,992,000 | 188,161,000 | 192,233,000 | 198,061,000 |
| Total loans | 90,079,000 | 100,934,000 | 105,677,000 | 111,039,000 |
| Allowance for loan losses | 1,313,000 | 1,322,000 | 1,328,000 | 1,325,000 |
| Securities available for sale | 81,983,000 | 77,614,000 | 75,711,000 | 74,565,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,105,000 | 157,715,000 | 156,367,000 | 168,386,000 |
| Interest-bearing deposits | 135,621,000 | 135,317,000 | 132,368,000 | 144,738,000 |
| Noninterest-bearing deposits | 26,484,000 | 22,398,000 | 23,999,000 | 23,648,000 |
| Equity capital | 16,614,000 | 16,256,000 | 16,932,000 | 17,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,624,000 | 5,478,000 | 8,418,000 | 11,338,000 |
| Interest expense | 1,204,000 | 2,484,000 | 3,834,000 | 5,109,000 |
| Net interest income | 1,420,000 | 2,994,000 | 4,584,000 | 6,229,000 |
| Noninterest income | 336,000 | 676,000 | 1,005,000 | 1,352,000 |
| Noninterest expense | 1,262,000 | 2,552,000 | 3,869,000 | 5,153,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 491,000 | 1,114,000 | 1,707,000 | 2,415,000 |
| Income tax | 85,000 | 220,000 | 344,000 | 511,000 |
| Net income | 406,000 | 894,000 | 1,363,000 | 1,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,707,000 | 16,913,000 | 17,100,000 | 17,361,000 |
| Total capital | 18,020,000 | 18,235,000 | 18,428,000 | 18,686,000 |
| Risk-weighted assets | 105,587,000 | 116,215,000 | 119,884,000 | 126,247,000 |