It can be used in past tense and present tense for all definitions. Loaded is a state of being.
1.) When the ammunition container is filled.
2.) Rigged or fixed for cheating. Usually describes a pair of dice.
3.) Being in the state of Drunkenness.
4.) In the state of being high.
5.) Having a lot of money.
1.) The gun was loaded when I pulled the trigger.
2.) Hey, those dice are loaded!
3.) Oh man, Shelly is so loaded right now.
4.) See above.
5.) Look at all this loot
. The owners must be loaded!