Call reports 2025
PHELPS COUNTY BANK — 2025
What PHELPS COUNTY 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 | 535,093,000 | 551,605,000 | 561,824,000 | 617,491,000 |
| Total loans | 410,965,000 | 424,139,000 | 436,145,000 | 449,680,000 |
| Allowance for loan losses | 3,968,000 | 4,012,000 | 4,108,000 | 4,241,000 |
| Securities available for sale | 82,799,000 | 80,518,000 | 61,426,000 | 57,724,000 |
| Securities held to maturity | 5,998,000 | 4,000,000 | 4,000,000 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,562,000 | 493,640,000 | 504,235,000 | 561,872,000 |
| Interest-bearing deposits | 361,242,000 | 391,871,000 | 401,661,000 | 462,194,000 |
| Noninterest-bearing deposits | 97,320,000 | 101,769,000 | 102,574,000 | 99,678,000 |
| Equity capital | 41,478,000 | 40,818,000 | 45,075,000 | 47,539,000 |
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 | 6,767,000 | 14,052,000 | 21,639,000 | 29,603,000 |
| Interest expense | 1,342,000 | 2,838,000 | 4,462,000 | 6,311,000 |
| Net interest income | 5,425,000 | 11,214,000 | 17,177,000 | 23,292,000 |
| Noninterest income | 1,170,000 | 2,416,000 | 3,808,000 | 5,107,000 |
| Noninterest expense | 4,545,000 | 9,239,000 | 14,021,000 | 19,257,000 |
| Provision for loan losses | 40,000 | 100,000 | 205,000 | 343,000 |
| Pretax income | 1,990,000 | 4,271,000 | 6,472,000 | 8,530,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,990,000 | 4,271,000 | 6,472,000 | 8,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,719,000 | 49,750,000 | 51,951,000 | 54,384,000 |
| Total capital | 54,830,000 | 53,905,000 | 56,277,000 | 58,825,000 |
| Risk-weighted assets | 361,424,000 | 377,292,000 | 386,206,000 | 407,464,000 |