Call reports 2025
FIRST LIBERTY BANK — 2025
What FIRST 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 | 806,432,000 | 817,144,000 | 835,665,000 | 851,168,000 |
| Total loans | 681,332,000 | 694,931,000 | 686,340,000 | 701,695,000 |
| Allowance for loan losses | 10,084,000 | 10,284,000 | 10,634,000 | 10,984,000 |
| Securities available for sale | 41,250,000 | 40,247,000 | 42,028,000 | 41,848,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 687,472,000 | 697,203,000 | 717,061,000 | 735,429,000 |
| Interest-bearing deposits | 563,270,000 | 571,779,000 | 588,602,000 | 597,267,000 |
| Noninterest-bearing deposits | 124,202,000 | 125,424,000 | 128,459,000 | 138,162,000 |
| Equity capital | 90,371,000 | 92,294,000 | 94,799,000 | 94,996,000 |
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 | 13,344,000 | 27,171,000 | 41,579,000 | 55,771,000 |
| Interest expense | 5,639,000 | 11,542,000 | 17,618,000 | 23,332,000 |
| Net interest income | 7,705,000 | 15,629,000 | 23,961,000 | 32,439,000 |
| Noninterest income | 603,000 | 1,246,000 | 2,001,000 | 3,677,000 |
| Noninterest expense | 4,946,000 | 9,850,000 | 15,230,000 | 21,110,000 |
| Provision for loan losses | 600,000 | 800,000 | 1,150,000 | 1,500,000 |
| Pretax income | 2,861,000 | 6,508,000 | 9,858,000 | 13,455,000 |
| Income tax | 709,000 | 1,619,000 | 2,456,000 | 3,340,000 |
| Net income | 2,152,000 | 4,889,000 | 7,402,000 | 10,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 92,454,000 | 94,517,000 | 96,357,000 | 96,189,000 |
| Total capital | 101,493,000 | 103,713,000 | 105,467,000 | 105,445,000 |
| Risk-weighted assets | 721,721,000 | 734,359,000 | 727,219,000 | 738,665,000 |