Call reports 2013
FIRST NATIONAL BANK OF LIBERAL — 2013
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 279,313,000 | 274,633,000 | 274,775,000 | 280,646,000 |
| Total loans | 134,345,000 | 136,572,000 | 138,198,000 | 140,001,000 |
| Allowance for loan losses | 2,283,000 | 2,297,000 | 2,304,000 | 2,310,000 |
| Securities available for sale | 123,030,000 | 119,804,000 | 117,614,000 | 119,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,509,000 | 234,689,000 | 231,182,000 | 242,177,000 |
| Interest-bearing deposits | 185,819,000 | 185,872,000 | 182,043,000 | 196,121,000 |
| Noninterest-bearing deposits | 52,690,000 | 48,817,000 | 49,139,000 | 46,056,000 |
| Equity capital | 24,220,000 | 22,051,000 | 22,913,000 | 23,075,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,441,000 | 4,965,000 | 7,533,000 | 10,122,000 |
| Interest expense | 357,000 | 708,000 | 1,058,000 | 1,406,000 |
| Net interest income | 2,084,000 | 4,257,000 | 6,475,000 | 8,716,000 |
| Noninterest income | 349,000 | 634,000 | 907,000 | 1,183,000 |
| Noninterest expense | 1,656,000 | 3,258,000 | 4,919,000 | 6,465,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 777,000 | 1,636,000 | 2,466,000 | 3,437,000 |
| Income tax | 149,000 | 326,000 | 496,000 | 722,000 |
| Net income | 628,000 | 1,310,000 | 1,970,000 | 2,715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,764,000 | 23,147,000 | 23,505,000 | 23,951,000 |
| Total capital | 24,836,000 | 25,260,000 | 25,241,000 | 26,107,000 |
| Risk-weighted assets | 165,598,000 | 168,827,000 | 168,335,000 | 172,348,000 |