Call reports 2025
SOUTHPOINT BANK — 2025
What SOUTHPOINT 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 | 1,792,650,000 | 1,675,507,000 | 1,596,315,000 | 1,563,295,000 |
| Total loans | 1,484,958,000 | 1,441,103,000 | 1,327,440,000 | 1,199,518,000 |
| Allowance for loan losses | 16,378,000 | 14,459,000 | 18,583,000 | 27,619,000 |
| Securities available for sale | 58,789,000 | 56,585,000 | 58,087,000 | 58,189,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,652,188,000 | 1,536,448,000 | 1,453,196,000 | 1,436,668,000 |
| Interest-bearing deposits | 1,486,620,000 | 1,371,655,000 | 1,296,399,000 | 1,284,876,000 |
| Noninterest-bearing deposits | 165,568,000 | 164,793,000 | 156,797,000 | 151,792,000 |
| Equity capital | 128,445,000 | 129,152,000 | 132,976,000 | 116,956,000 |
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 | 27,233,000 | 55,612,000 | 81,675,000 | 104,807,000 |
| Interest expense | 14,601,000 | 28,963,000 | 41,666,000 | 52,863,000 |
| Net interest income | 12,632,000 | 26,649,000 | 40,009,000 | 51,944,000 |
| Noninterest income | 1,977,000 | 5,002,000 | 7,126,000 | 9,461,000 |
| Noninterest expense | 8,816,000 | 18,332,000 | 27,046,000 | 36,004,000 |
| Provision for loan losses | 2,997,000 | 7,247,000 | 11,500,000 | 36,800,000 |
| Pretax income | 2,792,000 | 5,858,000 | 8,679,000 | -11,720,000 |
| Income tax | 584,000 | 1,262,000 | 1,884,000 | -2,618,000 |
| Net income | 2,208,000 | 4,596,000 | 6,795,000 | -9,102,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,760,000 | 124,864,000 | 127,128,000 | 110,698,000 |
| Total capital | 139,650,000 | 140,044,000 | 143,689,000 | 125,814,000 |
| Risk-weighted assets | 1,498,837,000 | 1,429,788,000 | 1,322,411,000 | 1,195,985,000 |