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 | 176,510,000 | 175,227,000 | 175,963,000 | 187,410,000 |
| Total loans | 83,310,000 | 89,871,000 | 94,240,000 | 97,066,000 |
| Allowance for loan losses | 566,000 | 628,000 | 990,000 | 1,010,000 |
| Securities available for sale | 70,485,000 | 68,848,000 | 67,379,000 | 64,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,326,000 | 150,848,000 | 148,386,000 | 162,846,000 |
| Interest-bearing deposits | 120,736,000 | 108,647,000 | 105,550,000 | 119,630,000 |
| Noninterest-bearing deposits | 42,590,000 | 42,201,000 | 42,836,000 | 43,216,000 |
| Equity capital | 12,568,000 | 13,178,000 | 14,158,000 | 15,077,000 |
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 | 2,194,000 | 4,325,000 | 6,580,000 | 9,024,000 |
| Interest expense | 573,000 | 1,067,000 | 1,640,000 | 2,200,000 |
| Net interest income | 1,621,000 | 3,258,000 | 4,940,000 | 6,824,000 |
| Noninterest income | 303,000 | 618,000 | 929,000 | 1,229,000 |
| Noninterest expense | 1,277,000 | 2,612,000 | 3,986,000 | 5,393,000 |
| Provision for loan losses | 0 | 63,000 | 423,000 | 446,000 |
| Pretax income | 647,000 | 1,201,000 | 1,440,000 | 2,194,000 |
| Income tax | 122,000 | 229,000 | 347,000 | 407,000 |
| Net income | 525,000 | 972,000 | 1,093,000 | 1,787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,275,000 | 18,573,000 | 18,543,000 | 19,138,000 |
| Total capital | 18,894,000 | 19,254,000 | 19,606,000 | 20,221,000 |
| Risk-weighted assets | 95,916,000 | 101,520,000 | 102,484,000 | 105,110,000 |