| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Provision for credit losses | - | -5 |
| Net income | 3,195 | 2,552 |
| Depreciation | 1,228 | 836 |
| Reduction in credit losses | -5 | - |
| Amortization of intangible asset | 47 | 31 |
| (accretion) amortization of available for sale securities | -1,089 | -864 |
| Amortization (accretion) of held to maturity securities | 284 | 194 |
| Gain on sale of other real estate | 11 | - |
| Increase in cash surrender value of life insurance | 381 | 242 |
| Gain from death benefits from life insurance | -125 | - |
| Change in accrued interest receivable | -394 | -121 |
| Change in deferred tax | -61 | -81 |
| Change in other assets | -68 | 64 |
| Change in employee and director benefit plan liabilities and other liabilities | -632 | -591 |
| Net cash provided (used) by operating activities | 3,034 | 2,049 |
| Proceeds from maturities of available for sale securities | 120,546 | 92,004 |
| Purchases of available for sale securities | 113,085 | 113,085 |
| Proceeds from maturities of held to maturity securities | 27,420 | 22,106 |
| Purchases of federal home loan bank stock | 536 | 137 |
| Proceeds from sales of other real estate | 27 | - |
| Loans, net change | 19,159 | 14,741 |
| Acquisition of bank premises and equipment | 281 | 233 |
| Proceeds from death benefits from life insurance | 270 | - |
| Investment in cash surrender value of life insurance | 100 | 78 |
| Net cash provided (used) by investing activities | 15,102 | -14,164 |
| Demand and savings deposits, net change | -70,742 | -66,148 |
| Time deposits, net change | -12,412 | -10,271 |
| Borrowings from federal home loan bank | 475,390 | 49,900 |
| Repayments to federal home loan bank | 475,390 | 49,900 |
| Other borrowings and borrowings under bank term funding program | 196 | - |
| Repayments to other borrowings and borrowings under bank term funding program | 196 | - |
| Cash dividends | 831 | 831 |
| Net cash (used) provided by financing activities | -83,985 | -77,250 |
| Net (decrease) increase in cash and cash equivalents | -65,849 | -89,365 |
| Cash and cash equivalents at beginning of period | 107,744 | - |
| Cash and cash equivalents at end of period | 41,895 | - |
PEOPLES FINANCIAL CORP MS (PFBX)
PEOPLES FINANCIAL CORP MS (PFBX)