Call reports 2025
SOUTHERN BANK — 2025
What SOUTHERN 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 | 337,189,000 | 350,307,000 | 360,783,000 | 370,876,000 |
| Total loans | 205,630,000 | 212,001,000 | 223,135,000 | 236,284,000 |
| Allowance for loan losses | 2,141,000 | 2,275,000 | 2,274,000 | 2,378,000 |
| Securities available for sale | 95,413,000 | 94,694,000 | 92,653,000 | 79,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 286,538,000 | 298,904,000 | 307,059,000 | 317,029,000 |
| Interest-bearing deposits | 252,214,000 | 263,336,000 | 271,924,000 | 280,274,000 |
| Noninterest-bearing deposits | 34,324,000 | 35,568,000 | 35,135,000 | 36,755,000 |
| Equity capital | 28,476,000 | 28,581,000 | 30,565,000 | 31,428,000 |
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 | 4,811,000 | 9,723,000 | 15,111,000 | 20,463,000 |
| Interest expense | 2,283,000 | 4,729,000 | 7,233,000 | 9,706,000 |
| Net interest income | 2,528,000 | 4,994,000 | 7,878,000 | 10,757,000 |
| Noninterest income | 251,000 | 464,000 | 670,000 | 918,000 |
| Noninterest expense | 2,371,000 | 4,803,000 | 7,456,000 | 10,207,000 |
| Provision for loan losses | 150,000 | 300,000 | 380,000 | 545,000 |
| Pretax income | 252,000 | 354,000 | 636,000 | 962,000 |
| Income tax | 61,000 | 80,000 | 147,000 | 106,000 |
| Net income | 191,000 | 274,000 | 489,000 | 856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,546,000 | 31,630,000 | 32,845,000 | 33,212,000 |