Call reports 2025
SOUTHERNTRUST BANK — 2025
What SOUTHERNTRUST 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 | 275,700,000 | 274,263,000 | 269,329,000 | 289,161,000 |
| Total loans | 204,421,000 | 201,011,000 | 204,184,000 | 208,533,000 |
| Allowance for loan losses | 2,035,000 | 2,386,000 | 2,999,000 | 3,061,000 |
| Securities available for sale | 27,676,000 | 26,932,000 | 29,348,000 | 29,290,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 200,190,000 | 191,953,000 | 192,719,000 | 202,521,000 |
| Interest-bearing deposits | 174,212,000 | 166,680,000 | 165,177,000 | 179,039,000 |
| Noninterest-bearing deposits | 25,978,000 | 25,273,000 | 27,542,000 | 23,482,000 |
| Equity capital | 27,973,000 | 28,362,000 | 29,427,000 | 30,246,000 |
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 | 4,000,000 | 8,130,000 | 12,096,000 | 16,018,000 |
| Interest expense | 1,821,000 | 3,492,000 | 5,171,000 | 6,728,000 |
| Net interest income | 2,179,000 | 4,638,000 | 6,925,000 | 9,290,000 |
| Noninterest income | 227,000 | 488,000 | 700,000 | 943,000 |
| Noninterest expense | 1,306,000 | 2,702,000 | 4,192,000 | 5,686,000 |
| Provision for loan losses | 166,000 | 534,000 | 534,000 | 610,000 |
| Pretax income | 931,000 | 1,872,000 | 2,847,000 | 3,892,000 |
| Income tax | 227,000 | 448,000 | 678,000 | 925,000 |
| Net income | 704,000 | 1,424,000 | 2,169,000 | 2,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,343,000 | 26,933,000 | 27,531,000 | 28,183,000 |