Call reports 2015
FIRST NATIONAL BANK OF LIBERAL — 2015
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 311,971,000 | 312,130,000 | 296,832,000 | 311,362,000 |
| Total loans | 150,923,000 | 161,873,000 | 167,130,000 | 167,932,000 |
| Allowance for loan losses | 2,184,000 | 2,185,000 | 2,182,000 | 2,187,000 |
| Securities available for sale | 140,111,000 | 118,925,000 | 113,658,000 | 122,131,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 269,058,000 | 269,754,000 | 264,341,000 | 282,668,000 |
| Interest-bearing deposits | 214,503,000 | 216,831,000 | 205,076,000 | 223,280,000 |
| Noninterest-bearing deposits | 54,555,000 | 52,923,000 | 59,265,000 | 59,388,000 |
| Equity capital | 26,867,000 | 26,693,000 | 27,643,000 | 27,928,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,654,000 | 5,347,000 | 8,136,000 | 10,914,000 |
| Interest expense | 318,000 | 637,000 | 936,000 | 1,228,000 |
| Net interest income | 2,336,000 | 4,710,000 | 7,200,000 | 9,686,000 |
| Noninterest income | 239,000 | 499,000 | 783,000 | 1,188,000 |
| Noninterest expense | 1,680,000 | 3,336,000 | 5,073,000 | 6,807,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 895,000 | 1,882,000 | 2,919,000 | 4,076,000 |
| Income tax | 221,000 | 476,000 | 755,000 | 1,081,000 |
| Net income | 674,000 | 1,406,000 | 2,164,000 | 2,995,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,986,000 | 26,418,000 | 26,875,000 | 27,406,000 |
| Total capital | 28,170,000 | 28,603,000 | 29,057,000 | 29,593,000 |
| Risk-weighted assets | 187,843,000 | 196,239,000 | 195,733,000 | 196,668,000 |