Call reports 2025
FREEDOM BANK OF SOUTHERN MISSOURI — 2025
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 740,328,000 | 742,804,000 | 773,091,000 | 803,148,000 |
| Total loans | 574,260,000 | 595,744,000 | 636,028,000 | 655,010,000 |
| Allowance for loan losses | 4,749,000 | 4,729,000 | 5,026,000 | 5,663,000 |
| Securities available for sale | 71,331,000 | 69,868,000 | 69,521,000 | 66,299,000 |
| Securities held to maturity | 3,000,000 | 3,000,000 | 3,000,000 | 3,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 674,092,000 | 673,375,000 | 684,836,000 | 717,392,000 |
| Interest-bearing deposits | 585,036,000 | 583,814,000 | 590,208,000 | 621,233,000 |
| Noninterest-bearing deposits | 89,056,000 | 89,561,000 | 94,628,000 | 96,159,000 |
| Equity capital | 62,625,000 | 65,506,000 | 69,214,000 | 67,326,000 |
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 | 10,274,000 | 21,155,000 | 32,564,000 | 44,625,000 |
| Interest expense | 4,496,000 | 9,040,000 | 13,509,000 | 18,239,000 |
| Net interest income | 5,778,000 | 12,115,000 | 19,055,000 | 26,386,000 |
| Noninterest income | 625,000 | 1,272,000 | 1,969,000 | 2,660,000 |
| Noninterest expense | 3,894,000 | 7,972,000 | 12,177,000 | 18,141,000 |
| Provision for loan losses | 77,000 | 204,000 | 883,000 | 1,350,000 |
| Pretax income | 2,432,000 | 5,211,000 | 7,964,000 | 9,555,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,432,000 | 5,211,000 | 7,964,000 | 9,555,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,275,000 | 65,770,000 | 67,878,000 | 65,570,000 |
| Total capital | — | 70,602,000 | — | — |
| Risk-weighted assets | — | 557,886,000 | — | — |