Call reports 2025
FNB SOUTH — 2025
What FNB SOUTH 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 | 703,345,000 | 692,430,000 | 707,827,000 | 713,582,000 |
| Total loans | 431,535,000 | 443,873,000 | 456,982,000 | 465,776,000 |
| Allowance for loan losses | 12,997,000 | 13,938,000 | 12,364,000 | 12,290,000 |
| Securities available for sale | 119,787,000 | 74,873,000 | 156,132,000 | 135,802,000 |
| Securities held to maturity | 78,000 | 77,000 | 76,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 593,350,000 | 577,492,000 | 588,325,000 | 596,547,000 |
| Interest-bearing deposits | 384,905,000 | 383,896,000 | 394,391,000 | 397,888,000 |
| Noninterest-bearing deposits | 208,445,000 | 193,596,000 | 193,934,000 | 198,659,000 |
| Equity capital | 103,586,000 | 108,314,000 | 112,006,000 | 108,878,000 |
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 | 10,768,000 | 21,990,000 | 33,776,000 | 45,197,000 |
| Interest expense | 3,210,000 | 6,312,000 | 9,388,000 | 12,391,000 |
| Net interest income | 7,558,000 | 15,678,000 | 24,388,000 | 32,806,000 |
| Noninterest income | 1,060,000 | 2,142,000 | 3,085,000 | 4,187,000 |
| Noninterest expense | 4,136,000 | 8,343,000 | 12,639,000 | 17,225,000 |
| Provision for loan losses | 0 | 0 | 0 | 3,000,000 |
| Pretax income | 4,482,000 | 9,477,000 | 14,834,000 | 16,768,000 |
| Income tax | 300,000 | 600,000 | 900,000 | 1,036,000 |
| Net income | 4,182,000 | 8,877,000 | 13,934,000 | 15,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,883,000 | 108,578,000 | 111,635,000 | 108,433,000 |
| Total capital | 109,811,000 | 114,675,000 | 117,813,000 | 114,583,000 |
| Risk-weighted assets | 465,785,000 | 478,473,000 | 486,633,000 | 484,441,000 |