Call reports 2025
PEOPLES BANK OF GRACEVILLE — 2025
What PEOPLES BANK OF GRACEVILLE 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 | 113,470,000 | 111,020,000 | 118,987,000 | 113,167,000 |
| Total loans | 40,953,000 | 39,687,000 | 41,367,000 | 40,539,000 |
| Allowance for loan losses | 381,000 | 379,000 | 381,000 | 382,000 |
| Securities available for sale | 17,037,000 | 16,145,000 | 19,653,000 | 18,970,000 |
| Securities held to maturity | 50,529,000 | 50,358,000 | 50,000,000 | 49,844,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,440,000 | 103,112,000 | 110,480,000 | 104,213,000 |
| Interest-bearing deposits | 80,268,000 | 80,729,000 | 87,087,000 | 79,951,000 |
| Noninterest-bearing deposits | 23,172,000 | 22,383,000 | 23,393,000 | 24,262,000 |
| Equity capital | 6,932,000 | 7,226,000 | 7,813,000 | 7,851,000 |
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 | 1,138,000 | 2,283,000 | 3,466,000 | 4,708,000 |
| Interest expense | 523,000 | 1,043,000 | 1,569,000 | 2,083,000 |
| Net interest income | 615,000 | 1,240,000 | 1,897,000 | 2,625,000 |
| Noninterest income | 76,000 | 161,000 | 247,000 | 334,000 |
| Noninterest expense | 481,000 | 967,000 | 1,453,000 | 1,959,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 210,000 | 434,000 | 677,000 | 986,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 210,000 | 434,000 | 677,000 | 986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,028,000 | 12,138,000 | 12,268,000 | 12,020,000 |
| Total capital | 12,444,000 | 12,552,000 | 12,684,000 | 12,437,000 |
| Risk-weighted assets | 40,289,000 | 38,710,000 | 40,927,000 | 40,570,000 |