Call reports 2025
SOUTH CENTRAL STATE BANK — 2025
What SOUTH CENTRAL STATE 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 | 190,380,000 | 190,707,000 | 186,057,000 | 205,240,000 |
| Total loans | 122,266,000 | 125,445,000 | 122,449,000 | 142,758,000 |
| Allowance for loan losses | 1,273,000 | 1,298,000 | 1,223,000 | 1,248,000 |
| Securities available for sale | 56,313,000 | 53,079,000 | 49,457,000 | 48,604,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,494,000 | 153,146,000 | 148,232,000 | 151,633,000 |
| Interest-bearing deposits | 122,407,000 | 123,913,000 | 119,945,000 | 119,820,000 |
| Noninterest-bearing deposits | 33,087,000 | 29,233,000 | 28,287,000 | 31,813,000 |
| Equity capital | 26,314,000 | 27,115,000 | 27,861,000 | 27,033,000 |
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 | 2,785,000 | 5,617,000 | 8,484,000 | 11,323,000 |
| Interest expense | 855,000 | 1,630,000 | 2,409,000 | 3,192,000 |
| Net interest income | 1,930,000 | 3,987,000 | 6,075,000 | 8,131,000 |
| Noninterest income | 106,000 | 194,000 | 290,000 | 370,000 |
| Noninterest expense | 830,000 | 1,718,000 | 2,726,000 | 3,738,000 |
| Provision for loan losses | 25,000 | 50,000 | -25,000 | 0 |
| Pretax income | 1,187,000 | 2,430,000 | 3,588,000 | 4,691,000 |
| Income tax | 144,000 | 287,000 | 415,000 | 577,000 |
| Net income | 1,043,000 | 2,143,000 | 3,173,000 | 4,114,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,104,000 | 26,813,000 | 27,844,000 | 27,136,000 |
| Total capital | 27,377,000 | 28,111,000 | 29,167,000 | 28,484,000 |
| Risk-weighted assets | 177,837,000 | 183,924,000 | 179,216,000 | 196,611,000 |