Call reports 2025
PEOPLES BANK OF THE SOUTH — 2025
What PEOPLES BANK OF THE SOUTH 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 | 229,393,000 | 225,279,000 | 225,764,000 | 227,357,000 |
| Total loans | 181,046,000 | 183,850,000 | 190,713,000 | 195,675,000 |
| Allowance for loan losses | 2,000,000 | 2,000,000 | 2,002,000 | 2,002,000 |
| Securities available for sale | 21,576,000 | 19,309,000 | 19,568,000 | 19,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,581,000 | 187,887,000 | 189,758,000 | 185,180,000 |
| Interest-bearing deposits | 135,720,000 | 135,232,000 | 133,664,000 | 132,351,000 |
| Noninterest-bearing deposits | 52,861,000 | 52,655,000 | 56,094,000 | 52,829,000 |
| Equity capital | 24,692,000 | 25,523,000 | 25,983,000 | 26,043,000 |
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 | 3,940,000 | 7,929,000 | 12,044,000 | 16,160,000 |
| Interest expense | 1,096,000 | 2,173,000 | 3,176,000 | 4,131,000 |
| Net interest income | 2,844,000 | 5,756,000 | 8,868,000 | 12,029,000 |
| Noninterest income | 141,000 | 284,000 | 402,000 | 532,000 |
| Noninterest expense | 1,275,000 | 2,578,000 | 4,260,000 | 6,079,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,710,000 | 3,462,000 | 5,010,000 | 6,482,000 |
| Income tax | 112,000 | 226,000 | 327,000 | 424,000 |
| Net income | 1,598,000 | 3,236,000 | 4,683,000 | 6,058,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,330,000 | 26,926,000 | 27,125,000 | 27,056,000 |
| Total capital | 28,220,000 | 28,926,000 | 29,030,000 | 29,058,000 |
| Risk-weighted assets | 151,156,000 | 166,951,000 | 152,321,000 | 174,355,000 |