Call reports 2025
LIBERTY BANK — 2025
What LIBERTY 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 | 213,329,000 | 217,412,000 | 231,453,000 | 235,880,000 |
| Total loans | 151,908,000 | 155,850,000 | 161,609,000 | 168,099,000 |
| Allowance for loan losses | 1,528,000 | 1,591,000 | 1,653,000 | 1,733,000 |
| Securities available for sale | 34,544,000 | 31,452,000 | 28,929,000 | 29,573,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,859,000 | 192,324,000 | 204,807,000 | 209,385,000 |
| Interest-bearing deposits | 136,729,000 | 137,848,000 | 148,440,000 | 155,099,000 |
| Noninterest-bearing deposits | 52,130,000 | 54,476,000 | 56,367,000 | 54,286,000 |
| Equity capital | 23,489,000 | 24,321,000 | 25,798,000 | 25,572,000 |
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 | 3,264,000 | 6,667,000 | 10,332,000 | 14,101,000 |
| Interest expense | 948,000 | 1,878,000 | 2,832,000 | 3,875,000 |
| Net interest income | 2,316,000 | 4,789,000 | 7,500,000 | 10,226,000 |
| Noninterest income | 234,000 | 480,000 | 722,000 | 964,000 |
| Noninterest expense | 1,455,000 | 3,117,000 | 4,662,000 | 6,421,000 |
| Provision for loan losses | 75,000 | 150,000 | 260,000 | 360,000 |
| Pretax income | 1,022,000 | 2,002,000 | 3,300,000 | 4,409,000 |
| Income tax | 210,000 | 443,000 | 736,000 | 1,039,000 |
| Net income | 812,000 | 1,559,000 | 2,564,000 | 3,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,989,000 | 25,739,000 | 26,740,000 | 26,500,000 |