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 | 1,459,363,000 | 1,506,108,000 | 1,496,306,000 | 1,460,917,000 |
| Total loans | 1,109,547,000 | 1,122,197,000 | 1,127,967,000 | 1,108,819,000 |
| Allowance for loan losses | 12,392,000 | 12,553,000 | 12,686,000 | 12,605,000 |
| Securities available for sale | 182,594,000 | 184,320,000 | 190,709,000 | 184,265,000 |
| Securities held to maturity | 85,373,000 | 83,123,000 | 82,195,000 | 81,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,140,043,000 | 1,189,082,000 | 1,199,054,000 | 1,189,610,000 |
| Interest-bearing deposits | 884,901,000 | 902,854,000 | 910,868,000 | 902,493,000 |
| Noninterest-bearing deposits | 255,142,000 | 286,228,000 | 288,186,000 | 287,117,000 |
| Equity capital | 128,720,000 | 130,805,000 | 136,349,000 | 138,213,000 |
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 | 18,473,000 | 37,638,000 | 57,471,000 | 77,167,000 |
| Interest expense | 7,727,000 | 15,612,000 | 23,571,000 | 31,019,000 |
| Net interest income | 10,746,000 | 22,026,000 | 33,900,000 | 46,148,000 |
| Noninterest income | 1,859,000 | 4,004,000 | 5,921,000 | 8,023,000 |
| Noninterest expense | 9,035,000 | 17,454,000 | 26,431,000 | 35,244,000 |
| Provision for loan losses | 117,000 | 276,000 | 415,000 | 770,000 |
| Pretax income | 3,452,000 | 8,349,000 | 13,024,000 | 18,286,000 |
| Income tax | 561,000 | 1,392,000 | 2,186,000 | 3,145,000 |
| Net income | 2,891,000 | 6,957,000 | 10,838,000 | 15,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 141,581,000 | 142,661,000 | 146,612,000 | 147,343,000 |
| Total capital | 154,644,000 | 155,837,000 | 159,919,000 | 160,490,000 |
| Risk-weighted assets | 1,084,604,000 | 1,121,174,000 | 1,090,524,000 | 1,095,019,000 |