Call reports 2025
PEOPLES BANK & TRUST COMPANY — 2025
What PEOPLES BANK & TRUST COMPANY 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 | 164,351,000 | 167,942,000 | 170,073,000 | 171,602,000 |
| Total loans | 105,243,000 | 108,694,000 | 114,094,000 | 114,263,000 |
| Allowance for loan losses | 1,463,000 | 1,481,000 | 1,526,000 | 1,567,000 |
| Securities available for sale | 22,951,000 | 22,673,000 | 23,024,000 | 22,416,000 |
| Securities held to maturity | 7,088,000 | 7,038,000 | 6,004,000 | 5,562,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,943,000 | 144,845,000 | 145,636,000 | 146,842,000 |
| Interest-bearing deposits | 90,476,000 | 93,365,000 | 95,547,000 | 96,797,000 |
| Noninterest-bearing deposits | 51,467,000 | 51,480,000 | 50,089,000 | 50,045,000 |
| Equity capital | 20,715,000 | 21,521,000 | 22,620,000 | 23,029,000 |
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 | 2,301,000 | 4,726,000 | 7,254,000 | 9,826,000 |
| Interest expense | 464,000 | 927,000 | 1,414,000 | 1,905,000 |
| Net interest income | 1,837,000 | 3,799,000 | 5,840,000 | 7,921,000 |
| Noninterest income | 202,000 | 401,000 | 607,000 | 802,000 |
| Noninterest expense | 1,077,000 | 2,170,000 | 3,269,000 | 4,421,000 |
| Provision for loan losses | 45,000 | 65,000 | 110,000 | 155,000 |
| Pretax income | 917,000 | 1,940,000 | 3,043,000 | 4,121,000 |
| Income tax | 238,000 | 503,000 | 790,000 | 1,110,000 |
| Net income | 679,000 | 1,437,000 | 2,253,000 | 3,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,737,000 | 22,495,000 | 23,311,000 | 23,687,000 |