Call reports 2025
LIBERTY SAVINGS BANK, F.S.B. — 2025
What LIBERTY SAVINGS BANK, F.S.B. 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 | 1,212,048,000 | 1,122,231,000 | 1,134,647,000 | 1,107,903,000 |
| Total loans | 834,823,000 | 808,893,000 | 819,718,000 | 792,480,000 |
| Allowance for loan losses | 7,723,000 | 7,755,000 | 7,958,000 | 7,818,000 |
| Securities available for sale | 287,878,000 | 258,565,000 | 253,205,000 | 254,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,035,277,000 | 987,966,000 | 1,001,920,000 | 983,933,000 |
| Interest-bearing deposits | 910,815,000 | 868,137,000 | 887,000,000 | 868,231,000 |
| Noninterest-bearing deposits | 124,462,000 | 119,829,000 | 114,920,000 | 115,702,000 |
| Equity capital | 74,829,000 | 77,781,000 | 81,559,000 | 83,020,000 |
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 | 15,107,000 | 29,193,000 | 43,045,000 | 56,887,000 |
| Interest expense | 10,633,000 | 20,327,000 | 29,834,000 | 39,115,000 |
| Net interest income | 4,474,000 | 8,866,000 | 13,211,000 | 17,772,000 |
| Noninterest income | 434,000 | 817,000 | 1,210,000 | 1,482,000 |
| Noninterest expense | 3,950,000 | 7,879,000 | 11,944,000 | 16,869,000 |
| Provision for loan losses | 157,000 | 247,000 | 686,000 | 757,000 |
| Pretax income | 787,000 | 1,557,000 | 1,796,000 | 1,618,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 781,000 | 1,545,000 | 1,778,000 | 1,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 104,468,000 | 105,232,000 | 105,466,000 | 105,281,000 |
| Total capital | 112,233,000 | 112,701,000 | 113,178,000 | 112,734,000 |
| Risk-weighted assets | 621,141,000 | 597,170,000 | 616,644,000 | 595,810,000 |