Call reports 2025
PEOPLES INDEPENDENT BANK — 2025
What PEOPLES INDEPENDENT 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 | 458,063,000 | 461,582,000 | 476,002,000 | 476,618,000 |
| Total loans | 190,421,000 | 191,939,000 | 203,004,000 | 198,173,000 |
| Allowance for loan losses | 1,907,000 | 1,921,000 | 2,029,000 | 1,991,000 |
| Securities available for sale | 167,745,000 | 171,761,000 | 166,963,000 | 161,260,000 |
| Securities held to maturity | 8,295,000 | 6,545,000 | 6,245,000 | 4,200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 416,759,000 | 419,873,000 | 432,495,000 | 432,071,000 |
| Interest-bearing deposits | 328,028,000 | 330,082,000 | 337,835,000 | 340,761,000 |
| Noninterest-bearing deposits | 88,731,000 | 89,791,000 | 94,660,000 | 91,310,000 |
| Equity capital | 37,642,000 | 37,811,000 | 39,515,000 | 40,760,000 |
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 | 6,027,000 | 12,212,000 | 18,760,000 | 25,154,000 |
| Interest expense | 2,084,000 | 4,218,000 | 6,445,000 | 8,606,000 |
| Net interest income | 3,943,000 | 7,994,000 | 12,315,000 | 16,548,000 |
| Noninterest income | 583,000 | 1,198,000 | 1,744,000 | 2,336,000 |
| Noninterest expense | 2,601,000 | 5,152,000 | 7,799,000 | 10,552,000 |
| Provision for loan losses | 15,000 | 45,000 | 175,000 | 145,000 |
| Pretax income | 1,905,000 | 3,990,000 | 6,080,000 | 8,151,000 |
| Income tax | 124,000 | 259,000 | 395,000 | 445,000 |
| Net income | 1,781,000 | 3,731,000 | 5,685,000 | 7,706,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,184,000 | 44,268,000 | 44,457,000 | 44,711,000 |
| Total capital | 46,091,000 | 46,189,000 | 46,486,000 | 46,702,000 |
| Risk-weighted assets | 283,192,000 | 302,700,000 | 298,894,000 | 287,734,000 |