Call reports 2025
FREEDOM BANK — 2025
What FREEDOM 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 | 774,815,000 | 772,753,000 | 814,048,000 | 812,480,000 |
| Total loans | 674,927,000 | 681,258,000 | 705,463,000 | 720,752,000 |
| Allowance for loan losses | 4,200,000 | 4,225,000 | 4,400,000 | 4,483,000 |
| Securities available for sale | 23,000 | 23,000 | 22,000 | 22,000 |
| Securities held to maturity | 32,114,000 | 32,296,000 | 29,761,000 | 29,137,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 654,974,000 | 652,361,000 | 671,536,000 | 707,035,000 |
| Interest-bearing deposits | 575,153,000 | 567,975,000 | 586,479,000 | 626,544,000 |
| Noninterest-bearing deposits | 79,821,000 | 84,386,000 | 85,057,000 | 80,491,000 |
| Equity capital | 76,020,000 | 77,154,000 | 78,454,000 | 79,545,000 |
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 | 10,880,000 | 22,452,000 | 34,520,000 | 47,145,000 |
| Interest expense | 6,000,000 | 12,212,000 | 18,539,000 | 24,933,000 |
| Net interest income | 4,880,000 | 10,240,000 | 15,981,000 | 22,212,000 |
| Noninterest income | 152,000 | 318,000 | 460,000 | 612,000 |
| Noninterest expense | 3,711,000 | 7,443,000 | 11,088,000 | 15,573,000 |
| Provision for loan losses | 0 | 25,000 | 200,000 | 283,000 |
| Pretax income | 1,321,000 | 3,090,000 | 5,153,000 | 6,968,000 |
| Income tax | 304,000 | 739,000 | 1,251,000 | 1,735,000 |
| Net income | 1,017,000 | 2,351,000 | 3,902,000 | 5,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 76,020,000 | 77,154,000 | 78,454,000 | 79,545,000 |
| Total capital | 80,382,000 | 81,541,000 | 83,016,000 | 84,190,000 |
| Risk-weighted assets | 620,830,000 | 629,242,000 | 653,738,000 | 668,463,000 |