Call reports 2025
FIRST LIBERTY BANK — 2025
What FIRST LIBERTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 857,940,000 | 825,378,000 | 820,538,000 | 866,367,000 |
| Total loans | 384,839,000 | 401,745,000 | 448,382,000 | 471,847,000 |
| Allowance for loan losses | 3,794,000 | 4,337,000 | 5,276,000 | 6,047,000 |
| Securities available for sale | 257,331,000 | 254,200,000 | 243,215,000 | 235,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 751,281,000 | 714,854,000 | 704,717,000 | 750,153,000 |
| Interest-bearing deposits | 513,950,000 | 478,760,000 | 476,534,000 | 510,147,000 |
| Noninterest-bearing deposits | 237,331,000 | 236,094,000 | 228,183,000 | 240,006,000 |
| Equity capital | 88,124,000 | 90,739,000 | 94,386,000 | 97,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,829,000 | 20,402,000 | 32,246,000 | 44,324,000 |
| Interest expense | 2,241,000 | 4,991,000 | 7,588,000 | 9,978,000 |
| Net interest income | 6,588,000 | 15,411,000 | 24,658,000 | 34,346,000 |
| Noninterest income | 1,529,000 | 2,899,000 | 4,281,000 | 5,925,000 |
| Noninterest expense | 5,031,000 | 10,870,000 | 17,038,000 | 24,275,000 |
| Provision for loan losses | 372,000 | 1,071,000 | 2,165,000 | 2,430,000 |
| Pretax income | 2,714,000 | 6,369,000 | 9,493,000 | 13,278,000 |
| Income tax | 525,000 | 1,220,000 | 1,806,000 | 2,528,000 |
| Net income | 2,189,000 | 5,149,000 | 7,687,000 | 10,750,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,654,000 | 78,675,000 | 80,126,000 | 83,100,000 |
| Total capital | 80,559,000 | 83,123,000 | 85,756,000 | 89,547,000 |
| Risk-weighted assets | 432,793,000 | 457,549,000 | 502,692,000 | 522,774,000 |
Machine access — free, no API key
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