Peoples Financial Q2 EPS $0.23 vs $0.16; equity falls on AFS losses

PEOPLES FINANCIAL CORP /MS/

Q2 net income $1.055M ($0.23 EPS) vs $0.789M ($0.16 EPS) in Q2 2021; net interest income up $465K to $5.193M.
First-half 2022 net income $1.942M ($0.42 EPS) down from $5.119M ($1.05 EPS) in H1 2021; prior year included $4.51M loan recovery gain.
Shareholders' equity fell to $55.96M from $94.07M due to $35.1M unrealized losses on AFS securities from higher rates; leverage ratio remains strong at 20.53%.
Other real estate reduced to $417K from $2.621M year-over-year, reflecting improved asset quality.

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