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 | 203,816,000 | 193,153,000 | 196,166,000 | 196,376,000 |
| Total loans | 149,995,000 | 154,194,000 | 158,129,000 | 156,940,000 |
| Allowance for loan losses | 1,218,000 | 1,268,000 | 1,330,000 | 1,327,000 |
| Securities available for sale | 5,848,000 | 9,920,000 | 5,584,000 | 5,527,000 |
| Securities held to maturity | 11,930,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,996,000 | 156,991,000 | 159,209,000 | 160,079,000 |
| Interest-bearing deposits | 121,470,000 | 116,278,000 | 120,231,000 | 119,351,000 |
| Noninterest-bearing deposits | 46,526,000 | 40,713,000 | 38,978,000 | 40,728,000 |
| Equity capital | 17,836,000 | 16,979,000 | 17,023,000 | 17,372,000 |
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 | 2,228,000 | 4,690,000 | 7,216,000 | 9,797,000 |
| Interest expense | 1,073,000 | 2,225,000 | 3,360,000 | 4,488,000 |
| Net interest income | 1,155,000 | 2,465,000 | 3,856,000 | 5,309,000 |
| Noninterest income | 72,000 | 690,000 | 766,000 | 840,000 |
| Noninterest expense | 1,234,000 | 2,402,000 | 3,825,000 | 4,988,000 |
| Provision for loan losses | 61,000 | 111,000 | 173,000 | 172,000 |
| Pretax income | -209,000 | 142,000 | -575,000 | -210,000 |
| Income tax | -44,000 | 30,000 | -121,000 | -44,000 |
| Net income | -165,000 | 112,000 | -454,000 | -166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,163,000 | 18,527,000 | 17,848,000 | 18,233,000 |
| Total capital | 19,391,000 | 19,805,000 | 19,188,000 | 19,570,000 |
| Risk-weighted assets | 133,302,000 | 137,055,000 | 141,304,000 | 138,759,000 |