Call reports 2025
LIBERTY NATIONAL BANK — 2025
What LIBERTY NATIONAL 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 | 588,247,000 | 597,617,000 | 601,511,000 | 602,611,000 |
| Total loans | 438,524,000 | 437,808,000 | 453,254,000 | 456,539,000 |
| Allowance for loan losses | 4,371,000 | 4,470,000 | 4,500,000 | 4,550,000 |
| Securities available for sale | 61,414,000 | 59,338,000 | 58,932,000 | 58,010,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,094,000 | 426,502,000 | 418,432,000 | 424,644,000 |
| Interest-bearing deposits | 335,882,000 | 313,650,000 | 320,071,000 | 331,813,000 |
| Noninterest-bearing deposits | 104,212,000 | 112,852,000 | 98,361,000 | 92,831,000 |
| Equity capital | 99,348,000 | 101,477,000 | 102,494,000 | 103,005,000 |
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 | 7,358,000 | 14,834,000 | 22,474,000 | 30,332,000 |
| Interest expense | 2,446,000 | 4,914,000 | 7,396,000 | 10,052,000 |
| Net interest income | 4,912,000 | 9,920,000 | 15,078,000 | 20,280,000 |
| Noninterest income | 857,000 | 1,793,000 | 2,729,000 | 3,599,000 |
| Noninterest expense | 3,537,000 | 7,074,000 | 10,812,000 | 14,522,000 |
| Provision for loan losses | 66,000 | 165,000 | 195,000 | 245,000 |
| Pretax income | 2,129,000 | 4,439,000 | 6,769,000 | 9,051,000 |
| Income tax | 395,000 | 925,000 | 1,457,000 | 1,974,000 |
| Net income | 1,734,000 | 3,514,000 | 5,312,000 | 7,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,288,000 | 53,323,000 | 53,876,000 | 54,396,000 |
| Total capital | 55,764,000 | 57,898,000 | 58,481,000 | 59,081,000 |
| Risk-weighted assets | 475,163,000 | 469,809,000 | 483,206,000 | 485,651,000 |