Call reports 2025
LIBERTY BANK, INC. — 2025
What LIBERTY BANK, INC. 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 | 14,181,000 | 13,328,000 | 13,063,000 | 13,027,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 469,000 | 458,000 | 448,000 | 436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,560,000 | 7,922,000 | 8,011,000 | 8,182,000 |
| Interest-bearing deposits | 8,557,000 | 7,859,000 | 7,875,000 | 7,987,000 |
| Noninterest-bearing deposits | 3,000 | 63,000 | 136,000 | 195,000 |
| Equity capital | 5,000,000 | 4,899,000 | 4,812,000 | 4,654,000 |
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 | 107,000 | 227,000 | 341,000 | 439,000 |
| Interest expense | 96,000 | 185,000 | 270,000 | 355,000 |
| Net interest income | 11,000 | 42,000 | 71,000 | 84,000 |
| Noninterest income | 0 | 3,000 | 8,000 | 13,000 |
| Noninterest expense | 214,000 | 401,000 | 562,000 | 777,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -203,000 | -356,000 | -483,000 | -680,000 |
| Income tax | -33,000 | -85,000 | -125,000 | -164,000 |
| Net income | -170,000 | -271,000 | -358,000 | -516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,524,000 | 3,423,000 | 3,336,000 | 3,814,000 |