Call reports 2025
PEOPLES EXCHANGE BANK — 2025
What PEOPLES EXCHANGE 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 | 97,134,000 | 95,325,000 | 95,594,000 | 97,056,000 |
| Total loans | 55,188,000 | 55,648,000 | 54,690,000 | 53,459,000 |
| Allowance for loan losses | 689,000 | 723,000 | 767,000 | 792,000 |
| Securities available for sale | 24,214,000 | 23,598,000 | 22,710,000 | 22,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,422,000 | 84,461,000 | 83,806,000 | 85,400,000 |
| Interest-bearing deposits | 61,498,000 | 59,826,000 | 58,517,000 | 36,261,000 |
| Noninterest-bearing deposits | 24,924,000 | 24,635,000 | 25,289,000 | 49,139,000 |
| Equity capital | 10,059,000 | 10,163,000 | 10,827,000 | 11,010,000 |
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 | 1,272,000 | 2,560,000 | 3,882,000 | 5,219,000 |
| Interest expense | 391,000 | 779,000 | 1,166,000 | 1,562,000 |
| Net interest income | 881,000 | 1,781,000 | 2,716,000 | 3,657,000 |
| Noninterest income | 76,000 | 160,000 | 247,000 | 325,000 |
| Noninterest expense | 802,000 | 1,559,000 | 2,319,000 | 3,098,000 |
| Provision for loan losses | 0 | 31,000 | 74,000 | 74,000 |
| Pretax income | 155,000 | 351,000 | 570,000 | 810,000 |
| Income tax | 44,000 | 88,000 | 131,000 | 98,000 |
| Net income | 111,000 | 263,000 | 439,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,312,000 | 12,464,000 | 12,639,000 | 12,722,000 |