Call reports 2025
SOUTH COAST BANK & TRUST — 2025
What SOUTH COAST BANK & TRUST 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 | 252,516,000 | 264,884,000 | 266,185,000 | 264,886,000 |
| Total loans | 185,153,000 | 180,483,000 | 189,080,000 | 194,104,000 |
| Allowance for loan losses | 2,829,000 | 2,845,000 | 3,003,000 | 3,121,000 |
| Securities available for sale | 32,130,000 | 33,856,000 | 36,249,000 | 35,743,000 |
| Securities held to maturity | 238,000 | 237,000 | 237,000 | 237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 226,302,000 | 238,427,000 | 237,793,000 | 236,003,000 |
| Interest-bearing deposits | 182,061,000 | 187,767,000 | 186,829,000 | 191,047,000 |
| Noninterest-bearing deposits | 44,241,000 | 50,660,000 | 50,964,000 | 44,956,000 |
| Equity capital | 19,107,000 | 19,471,000 | 21,256,000 | 21,066,000 |
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 | 3,440,000 | 7,150,000 | 10,976,000 | 14,878,000 |
| Interest expense | 1,376,000 | 2,746,000 | 4,104,000 | 5,438,000 |
| Net interest income | 2,064,000 | 4,404,000 | 6,872,000 | 9,440,000 |
| Noninterest income | 334,000 | 518,000 | 738,000 | 927,000 |
| Noninterest expense | 1,488,000 | 3,057,000 | 4,713,000 | 6,369,000 |
| Provision for loan losses | 90,000 | 205,000 | 365,000 | 495,000 |
| Pretax income | 776,000 | 1,616,000 | 2,488,000 | 3,459,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 776,000 | 1,616,000 | 2,488,000 | 3,459,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,558,000 | 25,082,000 | 25,797,000 | 25,537,000 |
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