Call reports 2025
SOUTH CENTRAL BANK, INC. — 2025
What SOUTH CENTRAL BANK, INC. 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 | 1,973,053,000 | 2,031,787,000 | 2,039,799,000 | 2,090,375,000 |
| Total loans | 1,531,084,000 | 1,593,421,000 | 1,645,540,000 | 1,671,616,000 |
| Allowance for loan losses | 15,311,000 | 15,934,000 | 16,455,000 | 16,716,000 |
| Securities available for sale | 238,569,000 | 245,736,000 | 241,252,000 | 255,580,000 |
| Securities held to maturity | 164,000 | 164,000 | 164,000 | 164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,748,258,000 | 1,725,612,000 | 1,807,038,000 | 1,789,533,000 |
| Interest-bearing deposits | 1,349,520,000 | 1,315,861,000 | 1,394,892,000 | 1,398,669,000 |
| Noninterest-bearing deposits | 398,738,000 | 409,751,000 | 412,146,000 | 390,864,000 |
| Equity capital | 176,023,000 | 181,574,000 | 189,002,000 | 194,364,000 |
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 | 26,549,000 | 54,535,000 | 83,800,000 | 113,346,000 |
| Interest expense | 10,572,000 | 21,209,000 | 31,767,000 | 41,891,000 |
| Net interest income | 15,977,000 | 33,326,000 | 52,033,000 | 71,455,000 |
| Noninterest income | 2,874,000 | 6,132,000 | 10,200,000 | 13,516,000 |
| Noninterest expense | 11,007,000 | 22,650,000 | 36,017,000 | 49,764,000 |
| Provision for loan losses | 229,000 | 866,000 | 1,355,000 | 1,755,000 |
| Pretax income | 7,616,000 | 15,943,000 | 24,862,000 | 33,488,000 |
| Income tax | 1,858,000 | 3,903,000 | 6,112,000 | 8,236,000 |
| Net income | 5,758,000 | 12,040,000 | 18,750,000 | 25,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 194,369,000 | 198,651,000 | 203,361,000 | 207,863,000 |
| Total capital | 210,334,000 | 215,240,000 | 220,471,000 | 225,198,000 |
| Risk-weighted assets | 1,624,052,000 | 1,681,179,000 | 1,709,884,000 | 1,718,702,000 |