Call reports 2025
SOUTHERN BANK AND TRUST COMPANY — 2025
What SOUTHERN BANK AND TRUST COMPANY 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 | 4,914,702,000 | 4,943,138,000 | 5,156,225,000 | 5,198,701,000 |
| Total loans | 3,231,103,000 | 3,323,898,000 | 3,361,746,000 | 3,427,851,000 |
| Allowance for loan losses | 34,125,000 | 34,459,000 | 34,509,000 | 36,101,000 |
| Securities available for sale | 1,219,822,000 | 1,209,877,000 | 1,203,946,000 | 1,253,574,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,471,419,000 | 4,478,252,000 | 4,663,138,000 | 4,694,512,000 |
| Interest-bearing deposits | 3,084,905,000 | 3,074,498,000 | 3,171,805,000 | 3,215,311,000 |
| Noninterest-bearing deposits | 1,386,514,000 | 1,403,754,000 | 1,491,333,000 | 1,479,201,000 |
| Equity capital | 364,806,000 | 391,859,000 | 419,406,000 | 424,415,000 |
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 | 51,440,000 | 104,533,000 | 160,243,000 | 217,786,000 |
| Interest expense | 15,767,000 | 30,254,000 | 45,251,000 | 59,068,000 |
| Net interest income | 35,673,000 | 74,279,000 | 114,992,000 | 158,718,000 |
| Noninterest income | 6,970,000 | 14,254,000 | 22,265,000 | 29,628,000 |
| Noninterest expense | 26,431,000 | 53,208,000 | 79,898,000 | 106,576,000 |
| Provision for loan losses | -97,000 | 273,000 | 279,000 | 1,951,000 |
| Pretax income | 7,277,000 | 29,588,000 | 41,554,000 | 76,248,000 |
| Income tax | 1,483,000 | 6,083,000 | 8,914,000 | 16,378,000 |
| Net income | 5,794,000 | 23,505,000 | 32,640,000 | 59,870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 496,865,000 | 514,576,000 | 523,710,000 | 515,938,000 |
| Total capital | 532,550,000 | 550,481,000 | 559,625,000 | 553,444,000 |
| Risk-weighted assets | 3,755,363,000 | 3,875,966,000 | 3,897,428,000 | 3,990,124,000 |