Call reports 2025
FREEDOM FINANCIAL BANK — 2025
What FREEDOM FINANCIAL 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 | 266,985,000 | 266,134,000 | 267,435,000 | 273,808,000 |
| Total loans | 219,110,000 | 222,260,000 | 223,311,000 | 233,794,000 |
| Allowance for loan losses | 2,723,000 | 2,768,000 | 2,813,000 | 3,358,000 |
| Securities available for sale | 5,574,000 | 5,607,000 | 5,637,000 | 5,602,000 |
| Securities held to maturity | 11,633,000 | 9,782,000 | 7,732,000 | 7,697,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,281,000 | 198,608,000 | 198,119,000 | 202,014,000 |
| Interest-bearing deposits | 177,295,000 | 174,229,000 | 174,384,000 | 177,289,000 |
| Noninterest-bearing deposits | 26,986,000 | 24,379,000 | 23,735,000 | 24,725,000 |
| Equity capital | 24,814,000 | 24,716,000 | 24,682,000 | 24,847,000 |
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 | 3,424,000 | 7,019,000 | 10,705,000 | 14,628,000 |
| Interest expense | 1,524,000 | 3,148,000 | 4,798,000 | 6,464,000 |
| Net interest income | 1,900,000 | 3,871,000 | 5,907,000 | 8,164,000 |
| Noninterest income | 32,000 | 66,000 | 101,000 | 136,000 |
| Noninterest expense | 1,067,000 | 2,088,000 | 3,125,000 | 4,173,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 680,000 |
| Pretax income | 820,000 | 1,759,000 | 2,748,000 | 3,447,000 |
| Income tax | 56,000 | 87,000 | 123,000 | 142,000 |
| Net income | 764,000 | 1,672,000 | 2,625,000 | 3,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,747,000 | 24,614,000 | 24,548,000 | 24,698,000 |
| Total capital | 27,470,000 | 27,382,000 | 27,361,000 | 27,789,000 |
| Risk-weighted assets | 239,446,000 | 239,761,000 | 238,281,000 | 247,025,000 |