For the quarter ending 2025-09-30, PFBX made $16,941K in revenue. $643K in net income. Net profit margin of 3.80%.
| Income Statement | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-09-30 |
|---|---|---|---|---|
| Interest and fees on loans | 3,870 | 3,635 | 3,396 | 3,649 |
| U. s. treasuries | 1,189 | 1,599 | 1,351 | 1,753 |
| Mortgage-backed securities | 322 | 399 | 545 | 561 |
| States and political subdivisions | 965 | 911 | 981 | 980 |
| Collateralized mortgage obligations | 500 | 552 | 541 | 749 |
| Other investments | 7 | 6 | 7 | 40 |
| Interest on balances due from depository institutions | 57 | 362 | 738 | 98 |
| (reduction of) provision for credit losses | - | - | -5 | -48 |
| Total interest income | 6,910 | 7,464 | 7,559 | 7,830 |
| Deposits | 2,046 | 1,982 | 1,891 | 1,760 |
| Borrowings | 288 | 10 | - | 791 |
| Total interest expense | 2,334 | 1,992 | 1,891 | 2,551 |
| Net interest income | 4,576 | 5,472 | 5,668 | 5,279 |
| Net interest income after provision for credit losses | 4,576 | 5,472 | 5,673 | 5,327 |
| Revenue-Trust Department Income And Fees | 662 | 624 | - | - |
| Revenue-Service Charges On Deposit Accounts | 790 | 817 | - | - |
| Gain (loss) on disposition of property plant equipment | - | - | - | 4 |
| Gain (loss) on sale of other real estate | 11 | - | - | - |
| Revenue | - | - | 1,396 | 1,408 |
| Increase in cash surrender value of life insurance | 139 | 122 | 120 | 123 |
| Other income | 326 | 214 | 187 | 215 |
| Legal expense | - | 109 | 64 | 29 |
| Total non-interest income | 1,928 | 1,777 | 1,703 | 1,750 |
| Amount of income or expense from other real estate | - | - | - | -1 |
| Salaries and employee benefits | 2,806 | 2,729 | 2,716 | 2,768 |
| Net occupancy | 572 | 564 | 563 | 558 |
| Equipment rentals, depreciation and maintenance | 726 | 692 | 783 | 784 |
| Fdic and state banking assessments | 107 | 105 | 96 | 122 |
| Data processing | 346 | 376 | 314 | 311 |
| Atm expense | 395 | 246 | 291 | 265 |
| Legal expense (reclass) | 51 | - | - | - |
| Other expense | 817 | 941 | 864 | 905 |
| Total non-interest expense | 5,718 | 5,762 | 5,691 | 5,743 |
| Income before income taxes | 786 | 1,487 | 1,685 | 1,334 |
| Income tax (benefit) expense | 143 | 245 | 375 | -14,097 |
| Net income | 643 | 1,242 | 1,310 | 15,431 |
| Basic average shares | - | - | 4,617,466 | - |
| Earnings per share, basic | 0.14 | 0.27 | 0.28 | 3.31 |
| Earnings per share, diluted | 0.14 | 0.27 | 0.28 | 3.31 |
PEOPLES FINANCIAL CORP MS (PFBX)
PEOPLES FINANCIAL CORP MS (PFBX)