Call reports 2011
FIRST NATIONAL BANK OF LIBERAL — 2011
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 236,956,000 | 253,776,000 | 243,551,000 | 241,262,000 |
| Total loans | 112,188,000 | 115,217,000 | 123,062,000 | 122,939,000 |
| Allowance for loan losses | 1,786,000 | 1,844,000 | 1,924,000 | 1,933,000 |
| Securities available for sale | 107,776,000 | 121,201,000 | 104,911,000 | 99,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,576,000 | 210,989,000 | 199,164,000 | 211,917,000 |
| Interest-bearing deposits | 174,159,000 | 176,415,000 | 160,233,000 | 171,215,000 |
| Noninterest-bearing deposits | 36,417,000 | 34,574,000 | 38,931,000 | 40,702,000 |
| Equity capital | 20,007,000 | 21,581,000 | 22,860,000 | 22,888,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,449,000 | 4,893,000 | 7,446,000 | 9,965,000 |
| Interest expense | 425,000 | 834,000 | 1,247,000 | 1,638,000 |
| Net interest income | 2,024,000 | 4,059,000 | 6,199,000 | 8,327,000 |
| Noninterest income | 317,000 | 652,000 | 931,000 | 1,208,000 |
| Noninterest expense | 1,606,000 | 3,213,000 | 4,874,000 | 6,525,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 150,000 |
| Pretax income | 662,000 | 1,352,000 | 2,177,000 | 2,931,000 |
| Income tax | 125,000 | 260,000 | 443,000 | 605,000 |
| Net income | 537,000 | 1,092,000 | 1,734,000 | 2,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,038,000 | 20,293,000 | 20,636,000 | 20,927,000 |
| Total capital | 21,769,000 | 22,087,000 | 22,492,000 | 22,774,000 |
| Risk-weighted assets | 138,457,000 | 143,495,000 | 148,457,000 | 147,713,000 |