| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net earnings | 13,197 | 9,505 |
| Depreciation, amortization and accretion | 2,118 | 1,383 |
| Provision for (recovery of) credit losses | 585 | 55 |
| Deferred income taxes | 348 | 823 |
| Gain on sale of held for mortgage loans | 188 | 73 |
| (gain)/loss on sale of investment securities net | -4 | -4 |
| Write-down of premises and equipment | 71 | - |
| Gain on sale of other real estate | 13 | 13 |
| Restricted stock expense | 79 | 26 |
| Proceeds from sales of mortgage loans held for sale | 9,169 | 3,160 |
| Write-down of premises and equipment | - | 31 |
| Origination of mortgage loans held for sale | 8,958 | -3,261 |
| Cash surrender value of life insurance | 365 | 242 |
| Right of use lease asset | -350 | -300 |
| Other assets | -453 | -369 |
| Lease liability | -340 | -292 |
| Other liabilities | -428 | -381 |
| Net cash provided by operating activities | 16,082 | 11,394 |
| Purchases of investment securities available for sale | 6,209 | 0 |
| Proceeds from calls and maturities of investment securities available for sale | 3,000 | - |
| Proceeds from sales of investment securities available for sale | 12,733 | 12,733 |
| Proceeds from paydowns of investment securities available for sale | 13,786 | - |
| Proceeds from paydowns of other investment securities | 193 | 158 |
| Purchase of fhlb stock | 11 | 11 |
| Proceeds from bank owned life insurance | - | 330 |
| Net change in loans | 45,412 | 19,829 |
| Proceeds from calls and maturities of investment securities available for sale | - | 3,000 |
| Purchases of premises and equipment | 1,179 | 865 |
| Proceeds from bank owned life insurance | 330 | 382 |
| Proceeds from paydowns of investment securities available for sale | - | 9,365 |
| Proceeds from sale of other real estate and repossessions | 382 | - |
| Net cash used by investing activities | -22,387 | 5,263 |
| Net change in deposits | -68,159 | -29,088 |
| Net change in securities sold under agreement to repurchase | 0 | 0 |
| Restricted stock units vested | 50 | 50 |
| Common stock repurchased | 0 | 0 |
| Cash dividends paid on common stock | 4,154 | 3,061 |
| Net cash provided by financing activities | 64,055 | 26,077 |
| Net change in cash and cash equivalents | 57,750 | 42,734 |
| Cash and cash equivalents at beginning of period | 59,266 | - |
| Cash and cash equivalents at end of period | 117,016 | - |
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)