Call reports 2025
SOUTHERN BANK OF TENNESSEE — 2025
What SOUTHERN BANK OF TENNESSEE 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 | 469,103,000 | 473,609,000 | 477,451,000 | 477,612,000 |
| Total loans | 354,344,000 | 365,168,000 | 373,189,000 | 372,604,000 |
| Allowance for loan losses | 3,040,000 | 3,175,000 | 3,233,000 | 3,430,000 |
| Securities available for sale | 54,733,000 | 46,013,000 | 49,280,000 | 52,842,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 407,884,000 | 413,464,000 | 417,651,000 | 416,660,000 |
| Interest-bearing deposits | 360,511,000 | 366,293,000 | 369,267,000 | 370,958,000 |
| Noninterest-bearing deposits | 47,373,000 | 47,171,000 | 48,384,000 | 45,702,000 |
| Equity capital | 42,551,000 | 43,410,000 | 44,784,000 | 46,294,000 |
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 | 6,753,000 | 14,061,000 | 21,642,000 | 29,167,000 |
| Interest expense | 2,963,000 | 6,012,000 | 9,082,000 | 11,998,000 |
| Net interest income | 3,790,000 | 8,049,000 | 12,560,000 | 17,169,000 |
| Noninterest income | 249,000 | 570,000 | 976,000 | 1,315,000 |
| Noninterest expense | 3,028,000 | 6,271,000 | 9,633,000 | 13,077,000 |
| Provision for loan losses | 200,000 | 375,000 | 498,000 | 816,000 |
| Pretax income | 868,000 | 2,020,000 | 3,430,000 | 4,713,000 |
| Income tax | -14,000 | -6,000 | 18,000 | -89,000 |
| Net income | 882,000 | 2,026,000 | 3,412,000 | 4,802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,289,000 | 42,188,000 | 43,322,000 | 44,711,000 |
| Total capital | 44,635,000 | 45,679,000 | 46,893,000 | 48,396,000 |
| Risk-weighted assets | 375,190,000 | 364,677,000 | 374,128,000 | 370,738,000 |