Call reports 2025
PEOPLES BANK OF KENTUCKY, INC. — 2025
What PEOPLES BANK OF KENTUCKY, 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 | 506,545,000 | 512,998,000 | 533,855,000 | 542,312,000 |
| Total loans | 397,675,000 | 400,823,000 | 413,085,000 | 409,059,000 |
| Allowance for loan losses | 9,501,000 | 9,932,000 | 10,310,000 | 10,341,000 |
| Securities available for sale | 55,913,000 | 57,306,000 | 59,641,000 | 59,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 437,505,000 | 442,418,000 | 458,985,000 | 467,208,000 |
| Interest-bearing deposits | 389,206,000 | 393,471,000 | 409,530,000 | 420,460,000 |
| Noninterest-bearing deposits | 48,299,000 | 48,947,000 | 49,455,000 | 46,748,000 |
| Equity capital | 57,159,000 | 58,646,000 | 60,846,000 | 61,845,000 |
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 | 7,855,000 | 16,143,000 | 24,853,000 | 33,433,000 |
| Interest expense | 2,600,000 | 5,153,000 | 7,705,000 | 10,406,000 |
| Net interest income | 5,255,000 | 10,990,000 | 17,148,000 | 23,027,000 |
| Noninterest income | 626,000 | 1,352,000 | 2,066,000 | 2,850,000 |
| Noninterest expense | 3,297,000 | 7,052,000 | 11,129,000 | 15,383,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,300,000 | 1,600,000 |
| Pretax income | 2,134,000 | 4,390,000 | 6,785,000 | 8,894,000 |
| Income tax | 527,000 | 1,116,000 | 1,708,000 | 2,242,000 |
| Net income | 1,607,000 | 3,274,000 | 5,077,000 | 6,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,913,000 | 59,308,000 | 61,188,000 | 62,093,000 |
| Total capital | 63,091,000 | 64,350,000 | 66,267,000 | 67,130,000 |
| Risk-weighted assets | 409,918,000 | 398,532,000 | 401,148,000 | 397,712,000 |