Call reports 2025
SOUTHWIND BANK — 2025
What SOUTHWIND 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 | 169,549,000 | 172,881,000 | 175,677,000 | 179,655,000 |
| Total loans | 85,063,000 | 87,555,000 | 91,651,000 | 89,214,000 |
| Allowance for loan losses | 1,223,000 | 1,293,000 | 1,320,000 | 1,388,000 |
| Securities available for sale | 76,106,000 | 75,676,000 | 76,698,000 | 74,457,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,807,000 | 158,100,000 | 152,344,000 | 166,740,000 |
| Interest-bearing deposits | 106,613,000 | 107,173,000 | 105,465,000 | 115,763,000 |
| Noninterest-bearing deposits | 49,194,000 | 50,927,000 | 46,879,000 | 50,977,000 |
| Equity capital | 10,478,000 | 10,806,000 | 12,315,000 | 12,118,000 |
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 | 1,940,000 | 3,927,000 | 5,978,000 | 8,136,000 |
| Interest expense | 532,000 | 1,068,000 | 1,619,000 | 2,193,000 |
| Net interest income | 1,408,000 | 2,859,000 | 4,359,000 | 5,943,000 |
| Noninterest income | 40,000 | 114,000 | 167,000 | 219,000 |
| Noninterest expense | 805,000 | 1,633,000 | 2,536,000 | 3,508,000 |
| Provision for loan losses | 30,000 | 80,000 | 165,000 | 245,000 |
| Pretax income | 583,000 | 1,233,000 | 1,797,000 | 2,382,000 |
| Income tax | 116,000 | 254,000 | 363,000 | 447,000 |
| Net income | 467,000 | 979,000 | 1,434,000 | 1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,338,000 | 18,450,000 | 18,705,000 | 18,006,000 |