Call reports 2025
PEOPLES STATE BANK OF VELVA — 2025
What PEOPLES STATE BANK OF VELVA 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 | 166,793,000 | 174,914,000 | 187,144,000 | 189,075,000 |
| Total loans | 113,292,000 | 129,809,000 | 139,752,000 | 139,423,000 |
| Allowance for loan losses | 1,475,000 | 1,842,000 | 1,814,000 | 1,849,000 |
| Securities available for sale | 34,743,000 | 38,206,000 | 39,431,000 | 39,623,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,189,000 | 151,023,000 | 164,937,000 | 165,951,000 |
| Interest-bearing deposits | 116,171,000 | 120,444,000 | 129,476,000 | 130,511,000 |
| Noninterest-bearing deposits | 32,018,000 | 30,579,000 | 35,461,000 | 35,440,000 |
| Equity capital | 14,745,000 | 14,712,000 | 16,364,000 | 17,325,000 |
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 | 2,193,000 | 4,676,000 | 7,345,000 | 10,040,000 |
| Interest expense | 796,000 | 1,660,000 | 2,635,000 | 3,608,000 |
| Net interest income | 1,397,000 | 3,016,000 | 4,710,000 | 6,432,000 |
| Noninterest income | 44,000 | 199,000 | 257,000 | 320,000 |
| Noninterest expense | 1,073,000 | 2,136,000 | 3,183,000 | 4,279,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 364,000 | 1,076,000 | 1,772,000 | 2,464,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 364,000 | 1,076,000 | 1,772,000 | 2,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,317,000 | 16,878,000 | 17,507,000 | 18,024,000 |
| Total capital | 17,791,000 | 18,513,000 | 19,276,000 | 19,788,000 |
| Risk-weighted assets | 117,905,000 | 130,609,000 | 141,463,000 | 141,094,000 |