Call reports 2014
FIRST NATIONAL BANK OF LIBERAL — 2014
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 292,397,000 | 301,655,000 | 302,384,000 | 309,106,000 |
| Total loans | 135,439,000 | 145,693,000 | 151,136,000 | 157,885,000 |
| Allowance for loan losses | 2,306,000 | 2,175,000 | 2,177,000 | 2,179,000 |
| Securities available for sale | 135,711,000 | 138,805,000 | 132,878,000 | 125,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 253,122,000 | 256,656,000 | 253,199,000 | 267,687,000 |
| Interest-bearing deposits | 202,301,000 | 207,909,000 | 201,787,000 | 217,863,000 |
| Noninterest-bearing deposits | 50,821,000 | 48,747,000 | 51,412,000 | 49,824,000 |
| Equity capital | 23,968,000 | 24,922,000 | 25,408,000 | 25,992,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,514,000 | 5,089,000 | 7,879,000 | 10,579,000 |
| Interest expense | 337,000 | 683,000 | 1,015,000 | 1,340,000 |
| Net interest income | 2,177,000 | 4,406,000 | 6,864,000 | 9,239,000 |
| Noninterest income | 248,000 | 511,000 | 790,000 | 1,091,000 |
| Noninterest expense | 1,646,000 | 3,418,000 | 5,071,000 | 6,757,000 |
| Provision for loan losses | 0 | -125,000 | -125,000 | -125,000 |
| Pretax income | 779,000 | 1,629,000 | 2,713,000 | 3,703,000 |
| Income tax | 156,000 | 337,000 | 591,000 | 842,000 |
| Net income | 623,000 | 1,292,000 | 2,122,000 | 2,861,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,274,000 | 24,643,000 | 25,173,000 | 25,611,000 |
| Total capital | 26,401,000 | 26,818,000 | 27,350,000 | 27,790,000 |
| Risk-weighted assets | 169,973,000 | 180,828,000 | 187,867,000 | 191,811,000 |