Call reports 2025
INSOUTH BANK — 2025
What INSOUTH 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 | 543,004,000 | 539,287,000 | 563,659,000 | 572,671,000 |
| Total loans | 410,673,000 | 415,095,000 | 437,191,000 | 447,575,000 |
| Allowance for loan losses | 5,656,000 | 5,661,000 | 5,368,000 | 5,029,000 |
| Securities available for sale | 69,969,000 | 70,915,000 | 70,132,000 | 68,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 497,450,000 | 488,917,000 | 484,606,000 | 499,313,000 |
| Interest-bearing deposits | 401,208,000 | 390,281,000 | 390,422,000 | 407,561,000 |
| Noninterest-bearing deposits | 96,242,000 | 98,636,000 | 94,184,000 | 91,752,000 |
| Equity capital | 41,988,000 | 42,445,000 | 43,820,000 | 44,798,000 |
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 | 7,788,000 | 15,796,000 | 24,082,000 | 32,419,000 |
| Interest expense | 2,602,000 | 5,183,000 | 7,907,000 | 10,621,000 |
| Net interest income | 5,186,000 | 10,613,000 | 16,175,000 | 21,798,000 |
| Noninterest income | 930,000 | 1,898,000 | 2,993,000 | 4,218,000 |
| Noninterest expense | 4,939,000 | 10,043,000 | 15,150,000 | 20,329,000 |
| Provision for loan losses | 10,000 | 20,000 | 35,000 | 57,000 |
| Pretax income | 1,167,000 | 2,448,000 | 3,983,000 | 5,630,000 |
| Income tax | 214,000 | 262,000 | 549,000 | 728,000 |
| Net income | 953,000 | 2,186,000 | 3,434,000 | 4,902,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,635,000 | 47,868,000 | 48,316,000 | 48,984,000 |
| Total capital | 53,211,000 | 53,487,000 | 53,684,000 | 54,013,000 |
| Risk-weighted assets | 446,020,000 | 449,507,000 | 473,021,000 | 485,549,000 |
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