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Income Statement
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Balance Sheet
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Income Overview
Net Income
$5,234K
EPS
$0.96
Unit: Thousand (K) dollars
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Interest and fees on loans
18,196
17,473
16,449*
17,174
Interest on due from banks
195
241
268*
1,009
U.s. government sponsored enterprises
1,948
1,921
2,296*
1,990
State and political subdivisions
693
694
690*
694
Other
494
547
730*
538
Total interest income
21,526
20,876
20,432*
21,405
Interest-bearing demand, mmda & savings deposits
-
2,887
2,718*
2,868
Now, mmda & savings deposits
3,058
-
-
-
Time deposits
2,283
2,669
3,041*
3,174
Junior subordinated debentures
217
217
230*
244
Other
-
-
0*
0
Total interest expense
5,558
5,773
5,988*
6,286
Net interest income
15,968
15,103
14,444*
15,119
Provision for (recovery of) credit losses
293
560
463*
530
Net interest income after provision for (recovery of) credit losses
15,675
14,543
13,981*
14,589
Service charges
1,383
1,401
1,367*
1,404
Other service charges and fees
172
178
186*
184
Loss on sale of securities, net
0
0
-78*
0
Gain on sale of premises and equipment
-
-
752*
-
Mortgage banking income
149
135
42*
149
Insurance and brokerage commissions
248
269
264*
250
Appraisal management fee income
3,044
2,620
4,628*
3,601
Miscellaneous
2,147
1,867
1,589*
1,539
Total non-interest income
7,143
6,470
8,750*
7,127
Salaries and employee benefits
7,127
7,246
6,581*
7,094
Occupancy
2,540
2,307
2,444*
2,278
Professional fees
565
680
-229*
1,395
Advertising
231
259
212*
266
Debit card expense
468
426
142*
805
Fdic insurance
197
194
193*
196
Appraisal management fee expense
2,438
2,095
1,863*
2,858
Miscellaneous
2,522
2,158
2,858*
2,032
Total non-interest expense
16,088
15,365
14,063*
16,924
Earnings before income taxes
6,730
5,648
8,668*
4,792
Income tax expense
1,496
1,250
2,116*
1,100
Net earnings
5,234
4,398
6,552
3,692
Basic EPS
0.98
0.83
1.235
0.7
Diluted EPS
0.96
0.8
1.197
0.67
Basic Average Shares
5,320,519
5,310,478
5,303,418
5,309,028
Diluted Average Shares
5,475,741
5,470,253
5,471,688
5,471,622
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest and fees on loans
$18,196K
(9.30%↑ Y/Y)
U.s. government
sponsored enterprises
$1,948K
(-6.66%↓ Y/Y)
State and political
subdivisions
$693K
(-0.14%↓ Y/Y)
Other
$494K
(-15.56%↓ Y/Y)
Interest on due from banks
$195K
(-72.38%↓ Y/Y)
Total interest income
$21,526K
(3.89%↑ Y/Y)
Net interest income
$15,968K
(9.39%↑ Y/Y)
Appraisal management fee
income
$3,044K
(-23.38%↓ Y/Y)
Miscellaneous
$2,147K
(13.42%↑ Y/Y)
Service charges
$1,383K
(0.80%↑ Y/Y)
Insurance and brokerage
commissions
$248K
(-3.88%↓ Y/Y)
Other service charges
and fees
$172K
(10.26%↑ Y/Y)
Mortgage banking income
$149K
(263.41%↑ Y/Y)
Total interest
expense
$5,558K
(-9.23%↓ Y/Y)
Net interest income
after provision for...
$15,675K
(5.84%↑ Y/Y)
Total non-interest
income
$7,143K
(-7.15%↓ Y/Y)
Provision for (recovery
of) credit losses
$293K
(237.56%↑ Y/Y)
Now, mmda & savings
deposits
$3,058K
(12.06%↑ Y/Y)
Time deposits
$2,283K
(-27.57%↓ Y/Y)
Junior subordinated
debentures
$217K
(-10.33%↓ Y/Y)
Earnings before income
taxes
$6,730K
(1.01%↑ Y/Y)
Total non-interest
expense
$16,088K
(1.57%↑ Y/Y)
Net earnings
$5,234K
(1.43%↑ Y/Y)
Income tax expense
$1,496K
(-0.47%↓ Y/Y)
Salaries and employee
benefits
$7,127K
(-0.57%↓ Y/Y)
Occupancy
$2,540K
(23.42%↑ Y/Y)
Miscellaneous
$2,522K
(33.23%↑ Y/Y)
Appraisal management fee
expense
$2,438K
(-22.75%↓ Y/Y)
Professional fees
$565K
(1.07%↑ Y/Y)
Debit card expense
$468K
(106.17%↑ Y/Y)
Advertising
$231K
(-5.71%↓ Y/Y)
Fdic insurance
$197K
(2.07%↑ Y/Y)
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PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)
PEOPLES BANCORP OF NORTH CAROLINA INC (PEBK)