Call reports 2025
PEOPLES BANK & TRUST — 2025
What PEOPLES BANK & TRUST 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 | 592,161,000 | 591,283,000 | 625,150,000 | 618,052,000 |
| Total loans | 397,872,000 | 387,487,000 | 404,241,000 | 419,619,000 |
| Allowance for loan losses | 3,965,000 | 4,061,000 | 4,245,000 | 3,841,000 |
| Securities available for sale | 153,814,000 | 147,663,000 | 160,516,000 | 155,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 477,517,000 | 489,829,000 | 525,613,000 | 501,067,000 |
| Interest-bearing deposits | 342,624,000 | 355,346,000 | 387,345,000 | 362,161,000 |
| Noninterest-bearing deposits | 134,893,000 | 134,483,000 | 138,268,000 | 138,906,000 |
| Equity capital | 61,109,000 | 60,219,000 | 57,205,000 | 56,534,000 |
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 | 8,633,000 | 17,363,000 | 26,131,000 | 34,983,000 |
| Interest expense | 1,951,000 | 3,810,000 | 5,891,000 | 7,784,000 |
| Net interest income | 6,682,000 | 13,553,000 | 20,240,000 | 27,199,000 |
| Noninterest income | 883,000 | 1,728,000 | 3,566,000 | 4,444,000 |
| Noninterest expense | 3,450,000 | 7,228,000 | 11,046,000 | 15,490,000 |
| Provision for loan losses | 111,000 | -203,000 | -25,000 | -103,000 |
| Pretax income | 3,994,000 | 8,226,000 | 10,960,000 | 12,979,000 |
| Income tax | 1,080,000 | 2,226,000 | 2,925,000 | 3,399,000 |
| Net income | 2,914,000 | 6,000,000 | 8,035,000 | 9,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,212,000 | 59,601,000 | 54,216,000 | 51,994,000 |
| Total capital | 63,305,000 | 63,835,000 | 58,644,000 | 55,997,000 |
| Risk-weighted assets | 372,786,000 | 368,504,000 | 376,650,000 | 385,665,000 |