Call reports 2025
LIBERTY STATE BANK — 2025
What LIBERTY STATE 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 | 145,449,000 | 141,436,000 | 151,614,000 | 157,573,000 |
| Total loans | 49,183,000 | 54,030,000 | 57,878,000 | 59,300,000 |
| Allowance for loan losses | 870,000 | 898,000 | 851,000 | 960,000 |
| Securities available for sale | 77,591,000 | 79,812,000 | 83,067,000 | 81,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 132,179,000 | 127,380,000 | 135,525,000 | 142,097,000 |
| Interest-bearing deposits | 91,357,000 | 91,238,000 | 96,820,000 | 100,137,000 |
| Noninterest-bearing deposits | 40,822,000 | 36,142,000 | 38,705,000 | 41,960,000 |
| Equity capital | 10,445,000 | 11,237,000 | 13,176,000 | 14,707,000 |
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 | 1,658,000 | 3,372,000 | 5,143,000 | 7,001,000 |
| Interest expense | 637,000 | 1,279,000 | 1,948,000 | 2,633,000 |
| Net interest income | 1,021,000 | 2,093,000 | 3,195,000 | 4,368,000 |
| Noninterest income | 31,000 | 63,000 | 100,000 | 170,000 |
| Noninterest expense | 417,000 | 842,000 | 1,292,000 | 1,752,000 |
| Provision for loan losses | 10,000 | 38,000 | 113,000 | 263,000 |
| Pretax income | 626,000 | 1,277,000 | 1,891,000 | 2,524,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 626,000 | 1,277,000 | 1,891,000 | 2,524,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,919,000 | 20,570,000 | 20,934,000 | 21,567,000 |