Call reports 2025
PEOPLES EXCHANGE BANK, INC. — 2025
What PEOPLES EXCHANGE BANK, INC. 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 | 581,719,000 | 592,488,000 | 606,831,000 | 614,539,000 |
| Total loans | 481,809,000 | 490,687,000 | 491,431,000 | 498,148,000 |
| Allowance for loan losses | 5,521,000 | 5,601,000 | 5,774,000 | 5,927,000 |
| Securities available for sale | 55,619,000 | 52,499,000 | 52,146,000 | 48,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 486,019,000 | 511,977,000 | 523,432,000 | 530,819,000 |
| Interest-bearing deposits | 353,341,000 | 379,707,000 | 396,163,000 | 398,034,000 |
| Noninterest-bearing deposits | 132,678,000 | 132,270,000 | 127,269,000 | 132,785,000 |
| Equity capital | 51,390,000 | 52,743,000 | 54,800,000 | 56,478,000 |
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 | 7,589,000 | 15,688,000 | 24,114,000 | 32,909,000 |
| Interest expense | 2,493,000 | 5,200,000 | 8,052,000 | 10,933,000 |
| Net interest income | 5,096,000 | 10,488,000 | 16,062,000 | 21,976,000 |
| Noninterest income | 889,000 | 1,808,000 | 2,723,000 | 3,725,000 |
| Noninterest expense | 4,092,000 | 8,205,000 | 12,297,000 | 16,624,000 |
| Provision for loan losses | 311,000 | 427,000 | 632,000 | 975,000 |
| Pretax income | 1,582,000 | 3,667,000 | 5,869,000 | 8,109,000 |
| Income tax | 340,000 | 801,000 | 1,294,000 | 1,807,000 |
| Net income | 1,242,000 | 2,866,000 | 4,575,000 | 6,302,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,170,000 | 56,394,000 | 57,703,000 | 59,031,000 |
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