Call reports 2025
PEOPLES BANK & TRUST COMPANY — 2025
What PEOPLES BANK & 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 | 45,386,000 | 44,089,000 | 45,318,000 | 46,771,000 |
| Total loans | 26,654,000 | 25,777,000 | 31,860,000 | 32,090,000 |
| Allowance for loan losses | 319,000 | 319,000 | 525,000 | 1,422,000 |
| Securities available for sale | 1,928,000 | 1,945,000 | 1,966,000 | 981,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,224,000 | 33,771,000 | 32,876,000 | 35,668,000 |
| Interest-bearing deposits | 29,474,000 | 28,422,000 | 28,207,000 | 31,220,000 |
| Noninterest-bearing deposits | 4,750,000 | 5,349,000 | 4,669,000 | 4,448,000 |
| Equity capital | 8,248,000 | 7,413,000 | 9,754,000 | 9,285,000 |
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 | 706,000 | 1,328,000 | 562,000 | 1,236,000 |
| Interest expense | 251,000 | 510,000 | 192,000 | 440,000 |
| Net interest income | 455,000 | 818,000 | 370,000 | 796,000 |
| Noninterest income | 97,000 | 8,000 | 64,000 | 87,000 |
| Noninterest expense | 467,000 | 991,000 | 446,000 | 1,159,000 |
| Provision for loan losses | 0 | 0 | 175,000 | 175,000 |
| Pretax income | 98,000 | -152,000 | -196,000 | -470,000 |
| Income tax | 0 | 0 | -48,000 | -21,000 |
| Net income | 98,000 | -152,000 | -148,000 | -449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,707,000 | 6,922,000 | 8,264,000 | 7,279,000 |
| Total capital | 8,026,000 | 7,241,000 | 8,698,000 | 7,737,000 |
| Risk-weighted assets | 31,465,000 | 29,964,000 | 34,683,000 | 35,693,000 |