Call reports 2025
LIBERTY BANK N.A. — 2025
What LIBERTY BANK N.A. 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 | 445,427,000 | 428,674,000 | 413,684,000 | 442,002,000 |
| Total loans | 388,848,000 | 377,069,000 | 365,574,000 | 349,964,000 |
| Allowance for loan losses | 4,216,000 | 4,108,000 | 4,049,000 | 4,043,000 |
| Securities available for sale | 8,105,000 | 7,780,000 | 7,902,000 | 7,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,662,000 | 327,639,000 | 336,628,000 | 381,065,000 |
| Interest-bearing deposits | 304,083,000 | 250,020,000 | 256,733,000 | 300,077,000 |
| Noninterest-bearing deposits | 76,579,000 | 77,619,000 | 79,895,000 | 80,988,000 |
| Equity capital | 61,665,000 | 60,116,000 | 58,590,000 | 57,985,000 |
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 | 5,539,000 | 10,812,000 | 16,122,000 | 21,291,000 |
| Interest expense | 2,800,000 | 5,058,000 | 7,202,000 | 9,106,000 |
| Net interest income | 2,739,000 | 5,754,000 | 8,920,000 | 12,185,000 |
| Noninterest income | 106,000 | 208,000 | 304,000 | 406,000 |
| Noninterest expense | 4,495,000 | 9,289,000 | 14,244,000 | 18,284,000 |
| Provision for loan losses | 0 | -100,000 | -100,000 | -100,000 |
| Pretax income | -1,650,000 | -3,177,000 | -4,870,000 | -5,543,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -1,650,000 | -3,177,000 | -4,870,000 | -5,543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,245,000 | 57,892,000 | 56,373,000 | 55,871,000 |
| Total capital | 63,412,000 | 61,884,000 | 60,306,000 | 59,645,000 |
| Risk-weighted assets | 333,222,000 | 319,233,000 | 314,480,000 | 301,594,000 |