Call reports 2025
SOUND COMMUNITY BANK — 2025
What SOUND COMMUNITY 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 | 1,069,344,000 | 1,058,363,000 | 1,060,272,000 | 1,092,309,000 |
| Total loans | 888,493,000 | 906,311,000 | 909,986,000 | 906,075,000 |
| Allowance for loan losses | 8,393,000 | 8,536,000 | 8,564,000 | 8,605,000 |
| Securities available for sale | 7,688,000 | 7,522,000 | 7,637,000 | 7,700,000 |
| Securities held to maturity | 2,121,000 | 2,112,000 | 1,899,000 | 1,892,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 919,414,000 | 909,055,000 | 908,467,000 | 954,192,000 |
| Interest-bearing deposits | 785,154,000 | 775,262,000 | 767,554,000 | 816,309,000 |
| Noninterest-bearing deposits | 134,260,000 | 133,793,000 | 140,913,000 | 137,883,000 |
| Equity capital | 112,466,000 | 111,225,000 | 113,444,000 | 116,197,000 |
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 | 13,729,000 | 28,685,000 | 43,374,000 | 57,703,000 |
| Interest expense | 5,467,000 | 10,958,000 | 16,503,000 | 21,929,000 |
| Net interest income | 8,262,000 | 17,727,000 | 26,871,000 | 35,774,000 |
| Noninterest income | 1,075,000 | 2,152,000 | 2,997,000 | 3,819,000 |
| Noninterest expense | 7,591,000 | 14,933,000 | 22,295,000 | 28,821,000 |
| Provision for loan losses | -85,000 | 79,000 | 144,000 | 212,000 |
| Pretax income | 1,949,000 | 4,979,000 | 7,551,000 | 10,646,000 |
| Income tax | 481,000 | 1,159,000 | 1,750,000 | 2,283,000 |
| Net income | 1,468,000 | 3,820,000 | 5,801,000 | 8,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,037,000 | 111,863,000 | 113,918,000 | 116,553,000 |