Call reports 2025
LIBERTY TRUST & SAVINGS BANK — 2025
What LIBERTY TRUST & SAVINGS 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 | 177,508,000 | 177,294,000 | 176,513,000 | 181,110,000 |
| Total loans | 110,653,000 | 106,784,000 | 109,473,000 | 108,438,000 |
| Allowance for loan losses | 1,427,000 | 1,417,000 | 1,415,000 | 1,414,000 |
| Securities available for sale | 49,544,000 | 48,379,000 | 52,341,000 | 50,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,754,000 | 144,108,000 | 141,769,000 | 145,762,000 |
| Interest-bearing deposits | 113,601,000 | 113,953,000 | 111,671,000 | 115,530,000 |
| Noninterest-bearing deposits | 31,153,000 | 30,155,000 | 30,098,000 | 30,232,000 |
| Equity capital | 32,042,000 | 32,382,000 | 33,868,000 | 34,606,000 |
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 | 1,973,000 | 3,951,000 | 6,001,000 | 8,069,000 |
| Interest expense | 557,000 | 1,146,000 | 1,744,000 | 2,309,000 |
| Net interest income | 1,416,000 | 2,805,000 | 4,257,000 | 5,760,000 |
| Noninterest income | 85,000 | 180,000 | 259,000 | 334,000 |
| Noninterest expense | 831,000 | 1,659,000 | 2,477,000 | 3,522,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 659,000 | 1,322,000 | 2,007,000 | 2,547,000 |
| Income tax | 111,000 | 232,000 | 292,000 | 368,000 |
| Net income | 548,000 | 1,090,000 | 1,715,000 | 2,179,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,545,000 | 37,087,000 | 37,338,000 | 37,802,000 |