Call reports 2025
SOUTHERN HILLS COMMUNITY BANK — 2025
What SOUTHERN HILLS COMMUNITY 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 | 194,580,000 | 201,373,000 | 201,535,000 | 205,030,000 |
| Total loans | 111,790,000 | 112,680,000 | 112,173,000 | 109,320,000 |
| Allowance for loan losses | 1,208,000 | 1,159,000 | 1,144,000 | 1,125,000 |
| Securities available for sale | 50,697,000 | 54,762,000 | 59,471,000 | 63,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 166,311,000 | 172,284,000 | 171,517,000 | 175,074,000 |
| Interest-bearing deposits | 143,496,000 | 148,050,000 | 147,714,000 | 149,418,000 |
| Noninterest-bearing deposits | 22,815,000 | 24,234,000 | 23,803,000 | 25,656,000 |
| Equity capital | 26,402,000 | 26,884,000 | 27,688,000 | 27,875,000 |
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 | 2,372,000 | 4,915,000 | 7,662,000 | 10,400,000 |
| Interest expense | 644,000 | 1,366,000 | 2,092,000 | 2,820,000 |
| Net interest income | 1,728,000 | 3,549,000 | 5,570,000 | 7,580,000 |
| Noninterest income | 188,000 | 993,000 | 1,159,000 | 1,317,000 |
| Noninterest expense | 1,917,000 | 3,734,000 | 5,587,000 | 7,383,000 |
| Provision for loan losses | 48,000 | 15,000 | 15,000 | 27,000 |
| Pretax income | -53,000 | 785,000 | 786,000 | 1,146,000 |
| Income tax | 27,000 | 80,000 | 81,000 | 148,000 |
| Net income | -80,000 | 705,000 | 705,000 | 998,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,925,000 | 27,711,000 | 27,711,000 | 28,004,000 |
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