Call reports 2025
LIBERTYVILLE BANK & TRUST COMPANY, NATIONAL ASSOCIATION — 2025
What LIBERTYVILLE BANK & TRUST COMPANY, NATIONAL ASSOCIATION 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 | 2,844,878,000 | 2,983,283,000 | 3,112,362,000 | 3,135,699,000 |
| Total loans | 2,225,389,000 | 2,278,993,000 | 2,362,170,000 | 2,396,456,000 |
| Allowance for loan losses | 16,756,000 | 16,622,000 | 15,523,000 | 17,431,000 |
| Securities available for sale | 244,129,000 | 300,192,000 | 254,611,000 | 276,024,000 |
| Securities held to maturity | 202,670,000 | 200,428,000 | 198,136,000 | 194,772,000 |
| Trading assets | 7,281,000 | 6,138,000 | 5,283,000 | 4,655,000 |
| Total deposits | 2,395,555,000 | 2,523,714,000 | 2,645,370,000 | 2,652,886,000 |
| Interest-bearing deposits | 1,995,255,000 | 2,108,369,000 | 2,262,467,000 | 2,236,513,000 |
| Noninterest-bearing deposits | 400,300,000 | 415,345,000 | 382,903,000 | 416,373,000 |
| Equity capital | 251,402,000 | 265,236,000 | 271,375,000 | 284,697,000 |
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 | 38,687,000 | 78,793,000 | 121,063,000 | 163,527,000 |
| Interest expense | 16,007,000 | 32,450,000 | 50,458,000 | 67,688,000 |
| Net interest income | 22,680,000 | 46,343,000 | 70,605,000 | 95,839,000 |
| Noninterest income | 1,832,000 | 4,146,000 | 6,662,000 | 9,640,000 |
| Noninterest expense | 8,550,000 | 17,580,000 | 27,307,000 | 36,434,000 |
| Provision for loan losses | 817,000 | 926,000 | 938,000 | 3,109,000 |
| Pretax income | 15,366,000 | 32,686,000 | 49,757,000 | 65,856,000 |
| Income tax | 3,925,000 | 8,475,000 | 12,985,000 | 17,147,000 |
| Net income | 11,441,000 | 24,211,000 | 36,772,000 | 48,709,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 265,204,000 | 278,122,000 | 280,837,000 | 292,839,000 |
| Total capital | 284,130,000 | 296,445,000 | 298,171,000 | 312,923,000 |
| Risk-weighted assets | 2,431,257,000 | 2,488,800,000 | 2,551,027,000 | 2,606,767,000 |