Call reports 2025
SOUTHSTAR BANK, S.S.B. — 2025
What SOUTHSTAR BANK, S.S.B. 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 | 1,263,832,000 | 1,264,496,000 | 1,291,007,000 | 1,288,008,000 |
| Total loans | 924,321,000 | 968,571,000 | 964,941,000 | 994,686,000 |
| Allowance for loan losses | 7,458,000 | 7,535,000 | 7,577,000 | 7,695,000 |
| Securities available for sale | 161,969,000 | 161,610,000 | 165,484,000 | 171,127,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,031,815,000 | 1,030,562,000 | 1,050,467,000 | 1,046,461,000 |
| Interest-bearing deposits | 809,137,000 | 790,607,000 | 799,027,000 | 803,455,000 |
| Noninterest-bearing deposits | 222,678,000 | 239,955,000 | 251,440,000 | 243,006,000 |
| Equity capital | 150,600,000 | 153,798,000 | 160,479,000 | 164,726,000 |
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 | 18,957,000 | 38,827,000 | 59,401,000 | 79,952,000 |
| Interest expense | 5,820,000 | 12,020,000 | 17,942,000 | 23,777,000 |
| Net interest income | 13,137,000 | 26,807,000 | 41,459,000 | 56,175,000 |
| Noninterest income | 893,000 | 1,951,000 | 2,994,000 | 4,105,000 |
| Noninterest expense | 8,138,000 | 16,634,000 | 25,564,000 | 34,656,000 |
| Provision for loan losses | 0 | 75,000 | 115,000 | 240,000 |
| Pretax income | 5,898,000 | 11,992,000 | 18,611,000 | 25,146,000 |
| Income tax | 1,224,000 | 2,501,000 | 3,883,000 | 5,152,000 |
| Net income | 4,674,000 | 9,491,000 | 14,728,000 | 19,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 160,437,000 | 163,843,000 | 167,669,000 | 171,523,000 |
| Total capital | 168,248,000 | 171,782,000 | 175,759,000 | 179,806,000 |
| Risk-weighted assets | 876,948,000 | 916,918,000 | 923,425,000 | 944,234,000 |