Call reports 2009
FIRST NATIONAL BANK OF LIBERAL — 2009
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 216,905,000 | 218,120,000 | 217,980,000 | 222,692,000 |
| Total loans | 112,526,000 | 114,739,000 | 114,532,000 | 112,321,000 |
| Allowance for loan losses | 2,249,000 | 2,266,000 | 2,118,000 | 1,453,000 |
| Securities available for sale | 90,615,000 | 89,037,000 | 87,089,000 | 87,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,458,000 | 184,649,000 | 180,438,000 | 197,638,000 |
| Interest-bearing deposits | 156,317,000 | 156,188,000 | 151,520,000 | 168,831,000 |
| Noninterest-bearing deposits | 30,141,000 | 28,461,000 | 28,918,000 | 28,807,000 |
| Equity capital | 18,921,000 | 19,017,000 | 20,081,000 | 19,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,739,000 | 5,445,000 | 8,173,000 | 10,853,000 |
| Interest expense | 735,000 | 1,436,000 | 2,073,000 | 2,664,000 |
| Net interest income | 2,004,000 | 4,009,000 | 6,100,000 | 8,189,000 |
| Noninterest income | 288,000 | 608,000 | 909,000 | 1,330,000 |
| Noninterest expense | 1,465,000 | 3,065,000 | 4,615,000 | 6,169,000 |
| Provision for loan losses | 150,000 | 535,000 | 1,150,000 | 2,500,000 |
| Pretax income | 702,000 | 1,178,000 | 1,538,000 | 1,810,000 |
| Income tax | 154,000 | 228,000 | 259,000 | 252,000 |
| Net income | 548,000 | 950,000 | 1,279,000 | 1,558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,748,000 | 18,849,000 | 18,878,000 | 18,858,000 |
| Total capital | 20,471,000 | 20,552,000 | 20,589,000 | 20,310,000 |
| Risk-weighted assets | 137,345,000 | 136,893,000 | 136,485,000 | 135,354,000 |