Call reports 2025
SOUTHERN INDEPENDENT BANK — 2025
What SOUTHERN INDEPENDENT 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 | 376,112,000 | 381,546,000 | 386,665,000 | 395,627,000 |
| Total loans | 168,179,000 | 171,462,000 | 171,773,000 | 175,915,000 |
| Allowance for loan losses | 1,845,000 | 1,899,000 | 1,955,000 | 1,984,000 |
| Securities available for sale | 147,506,000 | 145,865,000 | 147,382,000 | 151,425,000 |
| Securities held to maturity | 5,694,000 | 5,443,000 | 5,441,000 | 4,440,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 322,417,000 | 325,458,000 | 330,755,000 | 337,765,000 |
| Interest-bearing deposits | 242,732,000 | 250,618,000 | 251,735,000 | 256,128,000 |
| Noninterest-bearing deposits | 79,685,000 | 74,840,000 | 79,020,000 | 81,637,000 |
| Equity capital | 40,302,000 | 42,614,000 | 42,351,000 | 43,828,000 |
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 | 4,565,000 | 9,348,000 | 14,367,000 | 19,426,000 |
| Interest expense | 1,972,000 | 3,983,000 | 6,085,000 | 8,143,000 |
| Net interest income | 2,593,000 | 5,365,000 | 8,282,000 | 11,283,000 |
| Noninterest income | 317,000 | 1,320,000 | 1,670,000 | 2,002,000 |
| Noninterest expense | 1,674,000 | 3,503,000 | 5,257,000 | 7,727,000 |
| Provision for loan losses | 34,000 | 86,000 | 140,000 | 175,000 |
| Pretax income | 1,182,000 | 3,021,000 | 4,480,000 | 5,298,000 |
| Income tax | 304,000 | 763,000 | 1,133,000 | 1,190,000 |
| Net income | 878,000 | 2,258,000 | 3,347,000 | 4,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,180,000 | 53,560,000 | 51,649,000 | 52,410,000 |
| Total capital | — | — | — | 55,034,000 |
| Risk-weighted assets | — | — | — | 245,154,000 |