Call reports 2025
SOUTH STORY BANK & TRUST — 2025
What SOUTH STORY BANK & TRUST 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 | 603,926,000 | 619,883,000 | 622,769,000 | 610,652,000 |
| Total loans | 557,527,000 | 560,713,000 | 567,066,000 | 555,272,000 |
| Allowance for loan losses | 7,171,000 | 6,200,000 | 6,307,000 | 6,607,000 |
| Securities available for sale | 7,534,000 | 6,571,000 | 6,598,000 | 6,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 444,494,000 | 465,627,000 | 466,780,000 | 471,943,000 |
| Interest-bearing deposits | 393,546,000 | 412,601,000 | 411,365,000 | 414,809,000 |
| Noninterest-bearing deposits | 50,948,000 | 53,026,000 | 55,415,000 | 57,134,000 |
| Equity capital | 65,168,000 | 68,856,000 | 70,266,000 | 71,247,000 |
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 | 9,095,000 | 18,678,000 | 28,910,000 | 38,453,000 |
| Interest expense | 4,125,000 | 8,470,000 | 12,971,000 | 17,116,000 |
| Net interest income | 4,970,000 | 10,208,000 | 15,939,000 | 21,337,000 |
| Noninterest income | 328,000 | 746,000 | 1,159,000 | 1,603,000 |
| Noninterest expense | 4,049,000 | 8,281,000 | 12,441,000 | 16,764,000 |
| Provision for loan losses | 200,000 | 685,000 | 792,000 | 1,092,000 |
| Pretax income | 1,050,000 | 1,984,000 | 3,668,000 | 4,889,000 |
| Income tax | 272,000 | 509,000 | 932,000 | 1,194,000 |
| Net income | 778,000 | 1,475,000 | 2,736,000 | 3,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,981,000 | 61,680,000 | 62,940,000 | 63,900,000 |