{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-001701","form_type":"8-K","ticker":"PFBX","cik":"0000770460","company_name":"PEOPLES FINANCIAL CORP /MS/","filed_at":"2022-01-26T23:59:59+00:00","discovered_at":"2026-05-14T18:04:09.725251+00:00","generated_at":"2026-06-27T15:38:37.787901+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Peoples Financial reports 2021 net income of $8.6M, reversing prior year loss","bullets":["Net income $8.579M ($1.77/share) vs net loss $2.751M (loss $0.56) in 2020.","Q4 net income $2.353M ($0.49/share) vs $665K ($0.14) in Q4 2020.","Improvement driven by $5.663M reduction in provision for loan losses; 2020 had $6.002M provision largely due to one credit.","Nonaccrual loans reduced from $57.5M in 2011 to $701K; other real estate from $9.9M to $1.891M at Dec 31, 2021.","Annual meeting set for April 27, 2022; lawsuit settlement of $1.125M impacted non-interest expense."],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-001701","json":"https://secwatch.observer/filing/0001437749-22-001701.json","markdown":"https://secwatch.observer/filing/0001437749-22-001701.md","text":"https://secwatch.observer/filing/0001437749-22-001701.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/770460/000143774922001701/0001437749-22-001701-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/770460/000143774922001701/pfbx20220124_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-27T15:38:37.787901+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}