Call reports 2025
PEOPLES STATE BANK — 2025
What PEOPLES STATE 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 | 910,613,000 | 919,203,000 | 934,635,000 | 966,256,000 |
| Total loans | 572,327,000 | 571,477,000 | 584,438,000 | 615,823,000 |
| Allowance for loan losses | 9,339,000 | 9,271,000 | 9,361,000 | 9,303,000 |
| Securities available for sale | 280,126,000 | 282,313,000 | 286,442,000 | 294,788,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 795,442,000 | 796,632,000 | 778,313,000 | 779,127,000 |
| Interest-bearing deposits | 569,247,000 | 562,514,000 | 549,851,000 | 545,282,000 |
| Noninterest-bearing deposits | 226,195,000 | 234,118,000 | 228,462,000 | 233,845,000 |
| Equity capital | 78,045,000 | 84,187,000 | 90,126,000 | 95,927,000 |
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 | 10,183,000 | 20,968,000 | 31,945,000 | 43,405,000 |
| Interest expense | 3,545,000 | 6,929,000 | 10,215,000 | 13,584,000 |
| Net interest income | 6,638,000 | 14,039,000 | 21,730,000 | 29,821,000 |
| Noninterest income | 829,000 | 1,769,000 | 2,680,000 | 3,621,000 |
| Noninterest expense | 5,416,000 | 10,826,000 | 16,234,000 | 21,553,000 |
| Provision for loan losses | -10,000 | 50,000 | 110,000 | 235,000 |
| Pretax income | 1,849,000 | 4,723,000 | 7,605,000 | 11,267,000 |
| Income tax | 15,000 | 30,000 | 45,000 | 58,000 |
| Net income | 1,834,000 | 4,693,000 | 7,560,000 | 11,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 103,329,000 | 105,605,000 | 107,818,000 | 110,602,000 |
| Total capital | 111,224,000 | 113,448,000 | 116,070,000 | 119,240,000 |
| Risk-weighted assets | 629,761,000 | 625,635,000 | 658,709,000 | 690,046,000 |