Call reports 2025
SOUTH ATLANTIC BANK — 2025
What SOUTH ATLANTIC 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 | 1,865,179,000 | 1,866,743,000 | 1,888,397,000 | 1,916,599,000 |
| Total loans | 1,379,309,000 | 1,434,654,000 | 1,425,436,000 | 1,470,978,000 |
| Allowance for loan losses | 12,648,000 | 12,706,000 | 13,155,000 | 13,715,000 |
| Securities available for sale | 202,447,000 | 180,277,000 | 188,403,000 | 191,142,000 |
| Securities held to maturity | 93,729,000 | 93,611,000 | 93,494,000 | 93,376,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,572,856,000 | 1,618,543,000 | 1,591,607,000 | 1,557,064,000 |
| Interest-bearing deposits | 1,241,251,000 | 1,253,133,000 | 1,241,213,000 | 1,229,474,000 |
| Noninterest-bearing deposits | 331,605,000 | 365,410,000 | 350,394,000 | 327,590,000 |
| Equity capital | 143,549,000 | 147,767,000 | 155,731,000 | 161,170,000 |
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 | 22,925,000 | 46,410,000 | 71,157,000 | 95,525,000 |
| Interest expense | 9,814,000 | 19,678,000 | 29,606,000 | 38,930,000 |
| Net interest income | 13,111,000 | 26,732,000 | 41,551,000 | 56,595,000 |
| Noninterest income | 1,365,000 | 3,073,000 | 4,821,000 | 6,443,000 |
| Noninterest expense | 9,383,000 | 19,020,000 | 29,132,000 | 38,710,000 |
| Provision for loan losses | 397,000 | 485,000 | 935,000 | 1,470,000 |
| Pretax income | 4,696,000 | 9,763,000 | 15,768,000 | 22,256,000 |
| Income tax | 887,000 | 1,799,000 | 2,927,000 | 4,982,000 |
| Net income | 3,809,000 | 7,964,000 | 12,841,000 | 17,274,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 157,831,000 | 162,083,000 | 166,959,000 | 171,284,000 |
| Total capital | 170,479,000 | 175,326,000 | 180,651,000 | 185,601,000 |
| Risk-weighted assets | 1,457,270,000 | 1,493,383,000 | 1,477,663,000 | 1,528,122,000 |