Financial insights of PEBK

MyFinsight

For the year ending 2025-12-31.

Income Statement	2025-12-31
Interest and fees on loans	67,251
Interest on due from banks	2,840
U.s. government sponsored enterprises	8,411
States and political subdivisions	2,772
Other	2,344
Total interest income	83,618
Now, mmda & savings deposits	11,113
Time deposits	12,529
Junior subordinated debentures	959
Other	0
Total interest expense	24,601
Net interest income	59,017
Provision for (recovery of) credit losses	938
Net interest income after provision for credit losses	58,079
Service charges	5,579
Other service charges and fees	696
Gain ( loss) on sale of securities, net	-78
Gain on sale of premises and equipment	3,009
Mortgage banking income	327
Insurance and brokerage commissions	1,026
Appraisal management fee income	13,684
Miscellaneous	6,737
Total non-interest income	30,980
Salaries and employee benefits	28,245
Occupancy	8,948
Professional fees	2,702
Advertising	1,010
Debit card expense	1,690
Fdic insurance	776
Appraisal management fee expense	10,884
Other	8,954
Total non-interest expense	63,209
Earnings before income taxes	25,850
Income tax expense	6,020
Net earnings	19,830

Basic EPS	3.74
Diluted EPS	3.62
Basic Average Shares	5,305,272
Diluted Average Shares	5,471,174