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 | 270,760,000 | 275,952,000 | 281,775,000 | 279,867,000 |
| Total loans | 193,489,000 | 198,407,000 | 200,994,000 | 209,617,000 |
| Allowance for loan losses | 1,352,000 | 1,379,000 | 1,372,000 | 1,382,000 |
| Securities available for sale | 54,627,000 | 50,924,000 | 49,330,000 | 45,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,900,000 | 253,210,000 | 257,104,000 | 255,327,000 |
| Interest-bearing deposits | 181,166,000 | 187,368,000 | 190,136,000 | 186,987,000 |
| Noninterest-bearing deposits | 67,734,000 | 65,842,000 | 66,968,000 | 68,340,000 |
| Equity capital | 20,282,000 | 20,978,000 | 22,420,000 | 23,017,000 |
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 | 3,195,000 | 6,648,000 | 10,274,000 | 13,930,000 |
| Interest expense | 953,000 | 1,943,000 | 2,979,000 | 3,920,000 |
| Net interest income | 2,242,000 | 4,705,000 | 7,295,000 | 10,010,000 |
| Noninterest income | 273,000 | 576,000 | 1,097,000 | 1,381,000 |
| Noninterest expense | 1,958,000 | 3,971,000 | 6,013,000 | 8,106,000 |
| Provision for loan losses | 20,000 | 44,000 | 63,000 | 139,000 |
| Pretax income | 537,000 | 1,266,000 | 2,316,000 | 3,144,000 |
| Income tax | 91,000 | 243,000 | 486,000 | 641,000 |
| Net income | 446,000 | 1,023,000 | 1,830,000 | 2,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,993,000 | 21,523,000 | 22,261,000 | 22,663,000 |
| Total capital | 22,345,000 | 22,902,000 | 23,633,000 | 24,047,000 |
| Risk-weighted assets | 159,508,000 | 162,457,000 | 165,106,000 | 170,695,000 |