Call reports 2025
LIBERTY BANK AND TRUST COMPANY — 2025
What LIBERTY BANK AND TRUST COMPANY 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 | 1,106,412,000 | 1,109,910,000 | 1,116,466,000 | 1,105,310,000 |
| Total loans | 628,466,000 | 619,845,000 | 621,361,000 | 621,841,000 |
| Allowance for loan losses | 7,372,000 | 7,669,000 | 7,463,000 | 7,083,000 |
| Securities available for sale | 289,267,000 | 318,605,000 | 310,418,000 | 310,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 969,256,000 | 968,809,000 | 971,446,000 | 957,063,000 |
| Interest-bearing deposits | 728,867,000 | 723,952,000 | 738,685,000 | 732,431,000 |
| Noninterest-bearing deposits | 240,389,000 | 244,857,000 | 232,761,000 | 224,632,000 |
| Equity capital | 117,850,000 | 122,365,000 | 126,604,000 | 122,355,000 |
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 | 13,402,000 | 27,565,000 | 41,539,000 | 55,266,000 |
| Interest expense | 3,204,000 | 6,402,000 | 9,666,000 | 12,714,000 |
| Net interest income | 10,198,000 | 21,163,000 | 31,873,000 | 42,552,000 |
| Noninterest income | 1,623,000 | 3,472,000 | 5,171,000 | 9,169,000 |
| Noninterest expense | 8,711,000 | 17,501,000 | 26,089,000 | 38,283,000 |
| Provision for loan losses | 0 | 600,000 | 1,200,000 | 1,400,000 |
| Pretax income | 3,110,000 | 6,534,000 | 9,755,000 | 12,038,000 |
| Income tax | 0 | 640,000 | 1,240,000 | 2,581,000 |
| Net income | 3,110,000 | 5,894,000 | 8,515,000 | 9,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 123,295,000 | 126,230,000 | 128,892,000 | 123,039,000 |
| Total capital | 130,667,000 | 133,899,000 | 136,355,000 | 130,122,000 |
| Risk-weighted assets | 639,249,000 | 633,547,000 | 636,297,000 | 642,574,000 |