Call reports 2025
PEOPLES FIRST SAVINGS BANK — 2025
What PEOPLES FIRST SAVINGS 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 | 102,904,000 | 103,959,000 | 102,605,000 | 105,299,000 |
| Total loans | 91,600,000 | 91,967,000 | 90,499,000 | 90,207,000 |
| Allowance for loan losses | 612,000 | 615,000 | 618,000 | 621,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 451,000 | 451,000 | 451,000 | 1,458,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,896,000 | 85,198,000 | 83,721,000 | 86,245,000 |
| Interest-bearing deposits | 73,278,000 | 74,996,000 | 75,169,000 | 77,417,000 |
| Noninterest-bearing deposits | 10,618,000 | 10,202,000 | 8,552,000 | 8,828,000 |
| Equity capital | 9,611,000 | 9,745,000 | 9,898,000 | 9,914,000 |
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 | 1,507,000 | 2,973,000 | 4,485,000 | 6,001,000 |
| Interest expense | 665,000 | 1,275,000 | 1,903,000 | 2,529,000 |
| Net interest income | 842,000 | 1,698,000 | 2,582,000 | 3,472,000 |
| Noninterest income | 90,000 | 172,000 | 248,000 | 325,000 |
| Noninterest expense | 723,000 | 1,489,000 | 2,255,000 | 3,193,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 12,000 |
| Pretax income | 206,000 | 375,000 | 566,000 | 592,000 |
| Income tax | 40,000 | 75,000 | 113,000 | 123,000 |
| Net income | 166,000 | 300,000 | 453,000 | 469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,611,000 | 9,745,000 | 9,898,000 | 9,914,000 |
| Total capital | 10,223,000 | 10,360,000 | 10,516,000 | 10,535,000 |
| Risk-weighted assets | 69,683,000 | 70,351,000 | 70,576,000 | 70,660,000 |