Call reports 2016
FIRST NATIONAL BANK OF LIBERAL — 2016
What FIRST NATIONAL BANK OF LIBERAL reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 308,992,000 | 302,350,000 | 300,483,000 | 319,946,000 |
| Total loans | 165,811,000 | 173,776,000 | 172,285,000 | 178,016,000 |
| Allowance for loan losses | 2,187,000 | 2,188,000 | 2,191,000 | 1,853,000 |
| Securities available for sale | 128,893,000 | 115,158,000 | 113,981,000 | 125,013,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,595,000 | 269,164,000 | 268,282,000 | 284,027,000 |
| Interest-bearing deposits | 219,966,000 | 219,968,000 | 211,949,000 | 225,605,000 |
| Noninterest-bearing deposits | 52,629,000 | 49,196,000 | 56,333,000 | 58,422,000 |
| Equity capital | 28,979,000 | 30,310,000 | 30,628,000 | 28,203,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,805,000 | 5,632,000 | 8,478,000 | 11,288,000 |
| Interest expense | 299,000 | 610,000 | 920,000 | 1,239,000 |
| Net interest income | 2,506,000 | 5,022,000 | 7,558,000 | 10,049,000 |
| Noninterest income | 255,000 | 508,000 | 778,000 | 1,047,000 |
| Noninterest expense | 1,697,000 | 3,474,000 | 5,173,000 | 6,785,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,025,000 |
| Pretax income | 1,131,000 | 2,289,000 | 3,438,000 | 4,190,000 |
| Income tax | 272,000 | 498,000 | 718,000 | 812,000 |
| Net income | 859,000 | 1,791,000 | 2,720,000 | 3,378,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,965,000 | 28,598,000 | 29,227,000 | 29,585,000 |
| Total capital | 30,152,000 | 30,786,000 | 31,419,000 | 31,438,000 |
| Risk-weighted assets | 195,918,000 | 200,426,000 | 201,179,000 | 211,958,000 |