Call reports 2025
PEOPLES STATE BANK — 2025
What PEOPLES 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 | 146,485,000 | 150,092,000 | 145,572,000 | 147,817,000 |
| Total loans | 48,644,000 | 47,930,000 | 44,689,000 | 44,802,000 |
| Allowance for loan losses | 163,000 | 160,000 | 148,000 | 148,000 |
| Securities available for sale | 78,227,000 | 79,478,000 | 79,982,000 | 82,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 135,554,000 | 138,112,000 | 132,725,000 | 134,272,000 |
| Interest-bearing deposits | 86,612,000 | 88,758,000 | 79,431,000 | 77,402,000 |
| Noninterest-bearing deposits | 48,942,000 | 49,354,000 | 53,294,000 | 56,870,000 |
| Equity capital | 10,640,000 | 11,644,000 | 12,510,000 | 13,284,000 |
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 | 1,491,000 | 3,020,000 | 4,492,000 | 5,930,000 |
| Interest expense | 421,000 | 890,000 | 1,327,000 | 1,714,000 |
| Net interest income | 1,070,000 | 2,130,000 | 3,165,000 | 4,216,000 |
| Noninterest income | 30,000 | 62,000 | 96,000 | 131,000 |
| Noninterest expense | 490,000 | 943,000 | 1,378,000 | 1,826,000 |
| Provision for loan losses | 6,000 | 3,000 | -9,000 | -4,000 |
| Pretax income | 604,000 | 1,246,000 | 1,891,000 | 2,525,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 604,000 | 1,246,000 | 1,891,000 | 2,525,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,220,000 | 14,642,000 | 15,068,000 | 15,483,000 |
| Total capital | 14,383,000 | 14,802,000 | 15,216,000 | 15,631,000 |
| Risk-weighted assets | 61,836,000 | 58,385,000 | 55,606,000 | 56,422,000 |