Call reports 2025
PREMIER BANK OF THE SOUTH — 2025
What PREMIER BANK OF THE SOUTH 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 | 375,168,000 | 366,945,000 | 367,180,000 | 377,098,000 |
| Total loans | 208,299,000 | 209,735,000 | 216,601,000 | 223,949,000 |
| Allowance for loan losses | 2,190,000 | 2,127,000 | 2,177,000 | 2,277,000 |
| Securities available for sale | 84,537,000 | 82,152,000 | 64,965,000 | 68,440,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,552,000 | 335,306,000 | 334,278,000 | 344,077,000 |
| Interest-bearing deposits | 249,175,000 | 242,840,000 | 236,996,000 | 252,425,000 |
| Noninterest-bearing deposits | 95,377,000 | 92,466,000 | 97,282,000 | 91,652,000 |
| Equity capital | 28,659,000 | 29,407,000 | 30,243,000 | 31,470,000 |
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 | 4,767,000 | 9,709,000 | 14,600,000 | 19,658,000 |
| Interest expense | 1,336,000 | 2,639,000 | 3,939,000 | 5,159,000 |
| Net interest income | 3,431,000 | 7,070,000 | 10,661,000 | 14,499,000 |
| Noninterest income | 644,000 | 1,330,000 | 2,046,000 | 2,740,000 |
| Noninterest expense | 2,947,000 | 5,980,000 | 9,028,000 | 12,394,000 |
| Provision for loan losses | 75,000 | 175,000 | 350,000 | 475,000 |
| Pretax income | 1,053,000 | 2,245,000 | 3,354,000 | 4,395,000 |
| Income tax | 72,000 | 157,000 | 236,000 | 305,000 |
| Net income | 981,000 | 2,088,000 | 3,118,000 | 4,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,435,000 | 33,567,000 | 33,631,000 | 34,453,000 |
| Total capital | 35,625,000 | 35,694,000 | 35,808,000 | 36,730,000 |
| Risk-weighted assets | 199,744,000 | 200,597,000 | 226,537,000 | 212,323,000 |