Call reports 2012
FIRST NATIONAL BANK OF LIBERAL — 2012
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 253,522,000 | 258,066,000 | 267,218,000 | 271,797,000 |
| Total loans | 120,265,000 | 129,386,000 | 142,845,000 | 138,994,000 |
| Allowance for loan losses | 1,960,000 | 2,003,000 | 2,317,000 | 2,337,000 |
| Securities available for sale | 118,961,000 | 114,001,000 | 108,503,000 | 101,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,797,000 | 223,431,000 | 213,481,000 | 230,963,000 |
| Interest-bearing deposits | 175,341,000 | 180,959,000 | 171,998,000 | 182,107,000 |
| Noninterest-bearing deposits | 46,456,000 | 42,472,000 | 41,483,000 | 48,856,000 |
| Equity capital | 23,313,000 | 23,427,000 | 24,073,000 | 24,286,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,367,000 | 4,831,000 | 7,467,000 | 10,017,000 |
| Interest expense | 383,000 | 715,000 | 1,076,000 | 1,432,000 |
| Net interest income | 1,984,000 | 4,116,000 | 6,391,000 | 8,585,000 |
| Noninterest income | 257,000 | 571,000 | 872,000 | 1,367,000 |
| Noninterest expense | 1,639,000 | 3,277,000 | 4,966,000 | 6,652,000 |
| Provision for loan losses | 0 | 420,000 | 720,000 | 720,000 |
| Pretax income | 713,000 | 1,502,000 | 2,377,000 | 3,492,000 |
| Income tax | 145,000 | 310,000 | 504,000 | 783,000 |
| Net income | 568,000 | 1,192,000 | 1,873,000 | 2,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,195,000 | 21,519,000 | 21,901,000 | 22,436,000 |
| Total capital | 23,049,000 | 23,467,000 | 23,991,000 | 24,521,000 |
| Risk-weighted assets | 148,281,000 | 155,810,000 | 166,949,000 | 166,544,000 |