Call reports 2025
SOUTH SHORE BANK — 2025
What SOUTH SHORE 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 | 2,289,303,000 | 2,396,074,000 | 2,442,847,000 | 2,472,672,000 |
| Total loans | 1,563,250,000 | 1,580,476,000 | 1,629,126,000 | 1,652,122,000 |
| Allowance for loan losses | 15,274,000 | 15,220,000 | 15,166,000 | 15,286,000 |
| Securities available for sale | 536,371,000 | 544,997,000 | 543,450,000 | 548,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,014,506,000 | 2,109,959,000 | 2,150,516,000 | 2,166,046,000 |
| Interest-bearing deposits | 1,602,459,000 | 1,675,685,000 | 1,693,927,000 | 1,730,177,000 |
| Noninterest-bearing deposits | 412,047,000 | 434,274,000 | 456,589,000 | 435,869,000 |
| Equity capital | 218,485,000 | 222,706,000 | 229,427,000 | 237,372,000 |
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 | 26,308,000 | 53,965,000 | 83,248,000 | 112,868,000 |
| Interest expense | 11,413,000 | 23,575,000 | 35,966,000 | 48,502,000 |
| Net interest income | 14,895,000 | 30,390,000 | 47,282,000 | 64,366,000 |
| Noninterest income | 1,563,000 | 3,175,000 | 5,929,000 | 8,086,000 |
| Noninterest expense | 13,337,000 | 26,253,000 | 39,301,000 | 52,057,000 |
| Provision for loan losses | 150,000 | 150,000 | 150,000 | 319,000 |
| Pretax income | 2,971,000 | 7,163,000 | 13,741,000 | 20,153,000 |
| Income tax | 713,000 | 1,719,000 | 3,297,000 | 4,231,000 |
| Net income | 2,258,000 | 5,444,000 | 10,444,000 | 15,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 232,245,000 | 235,474,000 | 238,499,000 | 244,019,000 |
| Total capital | 248,706,000 | 251,881,000 | 254,852,000 | 260,492,000 |
| Risk-weighted assets | 1,629,939,000 | 1,660,451,000 | 1,714,058,000 | 1,730,322,000 |