Call reports 2010
FIRST NATIONAL BANK OF LIBERAL — 2010
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 230,104,000 | 233,414,000 | 233,669,000 | 234,910,000 |
| Total loans | 115,407,000 | 114,694,000 | 115,975,000 | 115,595,000 |
| Allowance for loan losses | 1,417,000 | 1,491,000 | 1,478,000 | 1,707,000 |
| Securities available for sale | 97,541,000 | 101,244,000 | 101,197,000 | 93,790,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 198,088,000 | 200,083,000 | 200,760,000 | 209,457,000 |
| Interest-bearing deposits | 168,767,000 | 169,404,000 | 167,074,000 | 173,995,000 |
| Noninterest-bearing deposits | 29,321,000 | 30,679,000 | 33,686,000 | 35,462,000 |
| Equity capital | 19,401,000 | 20,239,000 | 20,895,000 | 19,626,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,647,000 | 5,284,000 | 7,899,000 | 10,395,000 |
| Interest expense | 527,000 | 1,047,000 | 1,525,000 | 1,974,000 |
| Net interest income | 2,120,000 | 4,237,000 | 6,374,000 | 8,421,000 |
| Noninterest income | 310,000 | 585,000 | 740,000 | 1,069,000 |
| Noninterest expense | 1,584,000 | 3,263,000 | 4,861,000 | 6,463,000 |
| Provision for loan losses | 175,000 | 550,000 | 1,125,000 | 1,350,000 |
| Pretax income | 671,000 | 1,397,000 | 2,101,000 | 2,650,000 |
| Income tax | 135,000 | 283,000 | 422,000 | 506,000 |
| Net income | 536,000 | 1,114,000 | 1,679,000 | 2,144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,094,000 | 19,372,000 | 19,637,000 | 19,801,000 |
| Total capital | 20,511,000 | 20,863,000 | 21,115,000 | 21,508,000 |
| Risk-weighted assets | 138,673,000 | 140,067,000 | 140,795,000 | 138,685,000 |