Financial insights of PLBC

MyFinsight

For the quarter ending 2025-09-30, PLBC made $52,176K in revenue. $5,146K in net income. Net profit margin of 9.86%.

Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement	2025-09-30	2025-06-30	2025-03-31	2024-09-30
Interest and fees on loans	23,635	15,612	15,396	15,635
Interest on investment securities	4,934	4,504	4,510	4,481
Other	1,228	517	684	1,746
Total interest income	29,797	20,633	20,590	21,862
Interest on deposits	3,884	2,284	1,896	1,571
Interest on borrowings	422	146	145	1,413
Other	317	20	10	8
Total interest expense	4,623	2,450	2,051	2,992
Net interest income before provision for (recovery of) credit losses	25,174	18,183	18,539	18,870
Provision for (recovery of) credit losses	5,373	860	250	-400
Net interest income after provision for (recovery of) credit losses	19,801	17,323	18,289	19,270
Interchange revenue	912	784	690	818
Service charges	816	781	705	766
Net (loss) gain on sale of investment securities	-374	3	-	9
Gain on sale of buildings	0	0	-	-
Other	894	793	1,818	644
Total non-interest income	2,248	2,361	3,213	2,237
Salaries and employee benefits	7,418	5,553	5,880	5,481
Occupancy and equipment	2,471	2,050	2,014	1,988
Other	5,245	3,409	3,572	3,355
Total non-interest expenses	15,134	11,012	11,466	10,824
Income before provision for income taxes	6,915	8,672	10,036	10,683
Provision for income taxes	1,769	2,351	2,856	2,853
Net income	5,146	6,321	7,180	7,830

Basic earnings per share (in dollars per share)	0.74	1.07	1.21	1.33
Basic shares (in shares)	6,947,000	5,929,000	5,911,000	5,896,000
Diluted earnings per share (in dollars per share)	0.73	1.05	1.2	1.31
Us-gaap_weightedaveragenumberofdilutedsharesoutstanding	7,031,000	6,006,000	6,002,000	5,968,000