Call reports 2025
FREEDOM BANK, INC. — 2025
What FREEDOM BANK, INC. 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 | 208,702,000 | 205,925,000 | 207,443,000 | 422,265,000 |
| Total loans | 130,068,000 | 126,126,000 | 123,136,000 | 295,987,000 |
| Allowance for loan losses | 1,751,000 | 1,814,000 | 1,721,000 | 2,700,000 |
| Securities available for sale | 40,444,000 | 39,100,000 | 40,236,000 | 75,700,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,371,000 | 184,498,000 | 184,572,000 | 374,527,000 |
| Interest-bearing deposits | 117,547,000 | 112,520,000 | 114,222,000 | 260,900,000 |
| Noninterest-bearing deposits | 69,824,000 | 71,978,000 | 70,350,000 | 113,627,000 |
| Equity capital | 18,773,000 | 18,669,000 | 20,347,000 | 44,327,000 |
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 | 2,172,000 | 4,437,000 | 6,711,000 | 12,428,000 |
| Interest expense | 344,000 | 659,000 | 994,000 | 2,401,000 |
| Net interest income | 1,828,000 | 3,778,000 | 5,717,000 | 10,027,000 |
| Noninterest income | 370,000 | 722,000 | 1,059,000 | 4,917,000 |
| Noninterest expense | 1,515,000 | 3,084,000 | 4,649,000 | 7,942,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 1,175,000 |
| Pretax income | 623,000 | 1,298,000 | 1,949,000 | 5,664,000 |
| Income tax | 107,000 | 230,000 | 347,000 | 599,000 |
| Net income | 516,000 | 1,068,000 | 1,602,000 | 5,065,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,997,000 | 24,548,000 | 25,083,000 | 45,840,000 |