Call reports 2008
FIRST NATIONAL BANK OF LIBERAL — 2008
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 199,089,000 | 202,981,000 | 204,700,000 | 208,344,000 |
| Total loans | 99,101,000 | 102,907,000 | 113,889,000 | 115,172,000 |
| Allowance for loan losses | 1,309,000 | 1,311,000 | 1,765,000 | 2,103,000 |
| Securities available for sale | 81,693,000 | 76,995,000 | 74,888,000 | 75,724,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,782,000 | 165,783,000 | 169,818,000 | 184,197,000 |
| Interest-bearing deposits | 141,116,000 | 140,556,000 | 143,144,000 | 158,028,000 |
| Noninterest-bearing deposits | 28,666,000 | 25,227,000 | 26,674,000 | 26,169,000 |
| Equity capital | 18,170,000 | 17,788,000 | 18,149,000 | 18,433,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,806,000 | 5,519,000 | 8,343,000 | 11,156,000 |
| Interest expense | 1,100,000 | 1,954,000 | 2,813,000 | 3,589,000 |
| Net interest income | 1,706,000 | 3,565,000 | 5,530,000 | 7,567,000 |
| Noninterest income | 316,000 | 644,000 | 1,209,000 | 1,535,000 |
| Noninterest expense | 1,334,000 | 2,617,000 | 4,145,000 | 5,744,000 |
| Provision for loan losses | 0 | 0 | 0 | 350,000 |
| Pretax income | 673,000 | 1,586,000 | 2,608,000 | 3,022,000 |
| Income tax | 153,000 | 394,000 | 679,000 | 736,000 |
| Net income | 520,000 | 1,192,000 | 1,929,000 | 2,286,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,599,000 | 17,989,000 | 18,442,000 | 18,499,000 |
| Total capital | 18,908,000 | 19,300,000 | 20,121,000 | 20,207,000 |
| Risk-weighted assets | 116,864,000 | 122,473,000 | 134,227,000 | 136,224,000 |