Call reports 2025
SOUTHERN BANK — 2025
What SOUTHERN 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 | 4,925,588,000 | 4,968,661,000 | 4,985,672,000 | 5,043,770,000 |
| Total loans | 4,024,103,000 | 4,101,021,000 | 4,192,019,000 | 4,227,826,000 |
| Allowance for loan losses | 54,940,000 | 51,629,000 | 52,081,000 | 54,465,000 |
| Securities available for sale | 462,930,000 | 460,844,000 | 453,856,000 | 444,965,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,278,551,000 | 4,299,858,000 | 4,300,148,000 | 4,321,308,000 |
| Interest-bearing deposits | 3,743,724,000 | 3,763,713,000 | 3,766,213,000 | 3,786,747,000 |
| Noninterest-bearing deposits | 534,827,000 | 536,145,000 | 533,935,000 | 534,561,000 |
| Equity capital | 483,563,000 | 498,348,000 | 513,169,000 | 527,168,000 |
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 | 69,917,000 | 140,545,000 | 213,567,000 | 285,788,000 |
| Interest expense | 30,060,000 | 59,976,000 | 90,197,000 | 119,181,000 |
| Net interest income | 39,857,000 | 80,569,000 | 123,370,000 | 166,607,000 |
| Noninterest income | 8,157,000 | 17,082,000 | 25,121,000 | 33,303,000 |
| Noninterest expense | 26,570,000 | 53,890,000 | 80,123,000 | 106,523,000 |
| Provision for loan losses | 1,300,000 | 3,325,000 | 7,465,000 | 9,145,000 |
| Pretax income | 20,560,000 | 40,377,000 | 60,485,000 | 83,823,000 |
| Income tax | 4,295,000 | 7,789,000 | 11,719,000 | 16,402,000 |
| Net income | 16,265,000 | 32,588,000 | 48,766,000 | 67,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 481,341,000 | 494,186,000 | 504,806,000 | 519,712,000 |
| Total capital | 531,668,000 | 545,293,000 | 555,406,000 | 569,963,000 |
| Risk-weighted assets | 4,020,480,000 | 4,086,495,000 | 4,184,879,000 | 4,258,612,000 |