Call reports 2025
SANDHILLS STATE BANK — 2025
What SANDHILLS STATE 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 | 355,225,000 | 360,755,000 | 370,344,000 | 392,581,000 |
| Total loans | 261,048,000 | 269,510,000 | 259,731,000 | 270,026,000 |
| Allowance for loan losses | 2,698,000 | 2,773,000 | 2,772,000 | 2,949,000 |
| Securities available for sale | 54,032,000 | 54,427,000 | 59,126,000 | 61,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,422,000 | 305,778,000 | 335,719,000 | 357,399,000 |
| Interest-bearing deposits | 254,469,000 | 248,590,000 | 277,374,000 | 289,427,000 |
| Noninterest-bearing deposits | 57,953,000 | 57,188,000 | 58,345,000 | 67,972,000 |
| Equity capital | 31,211,000 | 31,882,000 | 33,024,000 | 33,577,000 |
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 | 4,388,000 | 8,889,000 | 13,530,000 | 18,447,000 |
| Interest expense | 1,272,000 | 2,576,000 | 4,030,000 | 5,455,000 |
| Net interest income | 3,116,000 | 6,313,000 | 9,500,000 | 12,992,000 |
| Noninterest income | 147,000 | 290,000 | 428,000 | 550,000 |
| Noninterest expense | 1,958,000 | 3,879,000 | 5,940,000 | 8,138,000 |
| Provision for loan losses | 37,000 | 112,000 | 112,000 | 312,000 |
| Pretax income | 1,268,000 | 2,610,000 | 3,875,000 | 5,090,000 |
| Income tax | 36,000 | 71,000 | 93,000 | 99,000 |
| Net income | 1,232,000 | 2,539,000 | 3,782,000 | 4,991,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,838,000 | 30,135,000 | 30,369,000 | 30,569,000 |
| Total capital | 32,536,000 | 32,908,000 | 33,141,000 | 33,518,000 |
| Risk-weighted assets | 272,101,000 | 280,733,000 | 274,544,000 | 284,363,000 |