Call reports 2025
LIBERTY CAPITAL BANK — 2025
What LIBERTY CAPITAL 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 | 419,858,000 | 505,291,000 | 501,167,000 | 747,269,000 |
| Total loans | 359,712,000 | 388,165,000 | 406,162,000 | 600,885,000 |
| Allowance for loan losses | 3,914,000 | 4,194,000 | 4,398,000 | 6,466,000 |
| Securities available for sale | 10,395,000 | 10,145,000 | 10,226,000 | 9,577,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 369,299,000 | 437,118,000 | 425,672,000 | 657,732,000 |
| Interest-bearing deposits | 257,024,000 | 318,085,000 | 303,358,000 | 466,862,000 |
| Noninterest-bearing deposits | 112,275,000 | 119,033,000 | 122,314,000 | 190,870,000 |
| Equity capital | 49,243,000 | 50,541,000 | 52,486,000 | 82,879,000 |
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 | 6,699,000 | 13,933,000 | 21,865,000 | 42,960,000 |
| Interest expense | 2,423,000 | 5,125,000 | 8,210,000 | 13,741,000 |
| Net interest income | 4,276,000 | 8,808,000 | 13,655,000 | 29,219,000 |
| Noninterest income | 31,000 | 62,000 | 164,000 | 929,000 |
| Noninterest expense | 2,077,000 | 4,147,000 | 6,400,000 | 16,777,000 |
| Provision for loan losses | 137,000 | 417,000 | 659,000 | 2,763,000 |
| Pretax income | 2,093,000 | 4,306,000 | 6,760,000 | 10,456,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,093,000 | 4,306,000 | 6,760,000 | 10,456,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,286,000 | 52,586,000 | 54,167,000 | 78,162,000 |
| Total capital | 54,914,000 | 56,494,000 | 58,279,000 | 84,342,000 |
| Risk-weighted assets | 362,117,000 | 390,984,000 | 414,775,000 | 612,360,000 |