Peoples Bancorp of North Carolina, Inc. (PEBK) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 15.1M | 15.36M | 15.12M | 14.6M | 13.94M | 13.81M | 13.55M | 13.42M | 13.3M | 13.27M | 13.34M | 13.77M | 14.34M | 15.3M | 13.79M | 11.35M | 10.67M | 10.63M | 10.56M | 11.68M |
| NII Growth % | 8.31% | 11.2% | 11.59% | 8.8% | 4.81% | 4.07% | 1.57% | -2.58% | -7.21% | -13.27% | -3.28% | 21.35% | 34.43% | 43.91% | 30.62% | -2.8% | -3.97% | -5.59% | -3.35% | 8.85% |
| Net Interest Margin % | 0.87% | 0.9% | 0.87% | 0.86% | 0.82% | 0.84% | 0.82% | 0.81% | 0.8% | 0.81% | 0.83% | 0.85% | 0.89% | 0.94% | 0.82% | 0.68% | 0.64% | 0.65% | 0.65% | 0.73% |
| Interest Income | 20.88M | 21.52M | 21.41M | 20.72M | 19.97M | 20.39M | 20.47M | 20.07M | 19.81M | 19.16M | 18.31M | 17.6M | 16.8M | 16.5M | 14.61M | 11.99M | 11.33M | 11.32M | 11.42M | 12.52M |
| Interest Expense | 5.77M | 6.17M | 6.29M | 6.12M | 6.03M | 6.58M | 6.92M | 6.65M | 6.51M | 5.89M | 4.97M | 3.83M | 2.46M | 1.2M | 818K | 644K | 663K | 687K | 861K | 842K |
| Loan Loss Provision | 560K | 353K | 530K | -213K | 268K | -205K | 297K | -468K | 91K | 405K | 562K | 375K | 224K | 583K | 408K | 410K | 71K | -300K | -182K | -226K |
| Non-Interest Income | 6.47M | 9.63M | 3.46M | 4.31M | 3.87M | 4.34M | 4.33M | 4.57M | 3.82M | 3.96M | 4.2M | 4.07M | 1.69M | 3.63M | 4.41M | 4.25M | 4M | 4.03M | 4.24M | 4.14M |
| Non-Interest Income % | 23.66% | 30.91% | 13.93% | 17.22% | 16.25% | 17.55% | 17.45% | 18.56% | 16.17% | 17.12% | 18.66% | 18.79% | 9.13% | 18.01% | 23.2% | 26.16% | 26.08% | 26.26% | 27.07% | 24.86% |
| Total Revenue | 27.35M | 31.15M | 24.87M | 25.03M | 23.84M | 24.73M | 24.79M | 24.64M | 23.63M | 23.11M | 22.51M | 21.67M | 18.49M | 20.12M | 19.02M | 16.24M | 15.33M | 15.35M | 15.66M | 16.66M |
| Revenue Growth % | 14.69% | 26% | 0.31% | 1.57% | 0.9% | 6.98% | 10.16% | 13.71% | 27.82% | 14.85% | 18.3% | 33.43% | 20.63% | 31.11% | 21.48% | -2.51% | -4.84% | -6.83% | -9.18% | 8.98% |
| Non-Interest Expense | 15.37M | 15.87M | 13.26M | 12.46M | 11.92M | 13.77M | 12.25M | 12.18M | 12.3M | 12.4M | 11.68M | 11.29M | 11.78M | 13.09M | 11.08M | 11.16M | 10.29M | 11.22M | 10.77M | 10.23M |
| Efficiency Ratio | 56.19% | 50.95% | 53.32% | 49.77% | 49.98% | 55.67% | 49.4% | 49.44% | 52.05% | 53.64% | 51.9% | 52.09% | 63.71% | 65.07% | 58.22% | 68.74% | 67.16% | 73.12% | 68.76% | 61.43% |
| Operating Income | 5.65M | 8.76M | 4.79M | 6.66M | 5.63M | 4.59M | 5.33M | 6.27M | 4.74M | 4.42M | 5.3M | 6.18M | 4.02M | 5.25M | 6.72M | 4.02M | 4.3M | 3.74M | 4.21M | 5.81M |
| Operating Margin % | 20.65% | 28.13% | 19.27% | 26.62% | 23.62% | 18.56% | 21.5% | 25.46% | 20.04% | 19.14% | 23.54% | 28.52% | 21.76% | 26.08% | 35.34% | 24.77% | 28.06% | 24.36% | 26.91% | 34.87% |
| Operating Income Growth % | 0.28% | 90.96% | -10.11% | 6.2% | 18.94% | 3.73% | 0.64% | 1.52% | 17.7% | -15.72% | -21.21% | 53.62% | -6.44% | 40.39% | 59.54% | -30.75% | -16.78% | 62.99% | -25.04% | 87.63% |
| Pretax Income | 5.65M | 8.76M | 4.79M | 6.66M | 5.63M | 4.59M | 5.33M | 6.27M | 4.74M | 4.42M | 5.3M | 6.18M | 4.02M | 5.25M | 6.72M | 4.02M | 4.3M | 3.74M | 4.21M | 5.81M |
| Pretax Margin % | 20.65% | 28.13% | 19.27% | 26.62% | 23.62% | 18.56% | 21.5% | 25.46% | 20.04% | 19.14% | 23.54% | 28.52% | 21.76% | 26.08% | 35.34% | 24.77% | 28.06% | 24.36% | 26.91% | 34.87% |
| Income Tax | 1.25M | 2.13M | 1.1M | 1.5M | 1.29M | 1.03M | 1.37M | 1.39M | 787K | 984K | 1.17M | 1.37M | 851K | 1.1M | 1.42M | 806K | 848K | 732K | 824K | 1.19M |
| Effective Tax Rate % | 22.13% | 24.31% | 22.95% | 22.56% | 22.85% | 22.44% | 25.76% | 22.09% | 16.62% | 22.24% | 22.09% | 22.2% | 21.15% | 20.99% | 21.06% | 20.03% | 19.72% | 19.58% | 19.55% | 20.55% |
| Net Income | 4.4M | 6.63M | 3.69M | 5.16M | 4.34M | 3.56M | 3.96M | 4.89M | 3.95M | 3.44M | 4.13M | 4.81M | 3.17M | 4.15M | 5.31M | 3.22M | 3.45M | 3.01M | 3.39M | 4.62M |
| Net Margin % | 16.08% | 21.29% | 14.85% | 20.62% | 18.22% | 14.39% | 15.96% | 19.84% | 16.71% | 14.88% | 18.34% | 22.19% | 17.16% | 20.61% | 27.89% | 19.81% | 22.52% | 19.59% | 21.65% | 27.7% |
| Net Income Growth % | 1.22% | 86.37% | -6.72% | 5.56% | 10.06% | 3.46% | -4.09% | 1.66% | 24.46% | -17.05% | -22.23% | 49.46% | -8.11% | 37.91% | 56.55% | -30.29% | -16.23% | 56.61% | -24.82% | 80.2% |
| Net Income (Continuing) | 4.4M | 6.63M | 3.69M | 5.16M | 4.34M | 3.56M | 3.96M | 4.89M | 3.95M | 3.44M | 4.13M | 4.81M | 3.17M | 4.15M | 5.31M | 3.22M | 3.45M | 3.01M | 3.39M | 4.62M |
| EPS (Diluted) | 0.80 | 0.54 | 0.67 | 0.94 | 0.79 | 0.65 | 0.72 | 0.89 | 0.72 | 0.62 | 0.74 | 0.85 | 0.56 | 0.74 | 0.93 | 0.57 | 0.61 | 0.53 | 0.59 | 0.80 |
| EPS Growth % | 1.27% | -16.92% | -6.94% | 5.62% | 9.72% | 4.84% | -2.7% | 4.71% | 28.57% | -16.22% | -20.43% | 49.12% | -8.2% | 39.62% | 57.63% | -28.75% | -14.08% | 60.61% | -24.36% | 81.82% |
| EPS (Basic) | 0.83 | 0.80 | 0.70 | 0.97 | 0.82 | 0.67 | 0.75 | 0.93 | 0.74 | 0.64 | 0.76 | 0.88 | 0.58 | 0.76 | 0.96 | 0.59 | 0.63 | 0.55 | 0.61 | 0.82 |
| Diluted Shares Outstanding | 5.5M | 8.03M | 5.47M | 5.47M | 5.48M | 5.47M | 5.48M | 5.48M | 5.5M | 5.55M | 5.59M | 5.63M | 5.66M | 5.6M | 5.66M | 5.66M | 5.67M | 5.67M | 5.72M | 5.8M |