Call reports 2025
FARMERS STATE BANK OF UNDERWOOD — 2025
What FARMERS STATE BANK OF UNDERWOOD reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 104,372,000 | 108,410,000 | 110,054,000 | 113,514,000 |
| Total loans | 76,583,000 | 79,664,000 | 80,953,000 | 86,522,000 |
| Allowance for loan losses | 1,048,000 | 1,034,000 | 1,048,000 | 1,074,000 |
| Securities available for sale | 15,438,000 | 15,414,000 | 14,337,000 | 12,314,000 |
| Securities held to maturity | 113,000 | 110,000 | 111,000 | 111,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,780,000 | 99,672,000 | 100,822,000 | 99,727,000 |
| Interest-bearing deposits | 74,029,000 | 78,101,000 | 77,637,000 | 77,328,000 |
| Noninterest-bearing deposits | 20,751,000 | 21,571,000 | 23,185,000 | 22,399,000 |
| Equity capital | 7,515,000 | 7,747,000 | 8,268,000 | 8,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,651,000 | 3,373,000 | 5,154,000 | 6,997,000 |
| Interest expense | 513,000 | 1,026,000 | 1,547,000 | 2,072,000 |
| Net interest income | 1,138,000 | 2,347,000 | 3,607,000 | 4,925,000 |
| Noninterest income | 81,000 | 170,000 | 258,000 | 692,000 |
| Noninterest expense | 865,000 | 1,781,000 | 2,609,000 | 3,723,000 |
| Provision for loan losses | 15,000 | 15,000 | 30,000 | 55,000 |
| Pretax income | 339,000 | 722,000 | 1,227,000 | 1,836,000 |
| Income tax | 25,000 | 100,000 | 137,000 | 217,000 |
| Net income | 314,000 | 622,000 | 1,090,000 | 1,619,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,719,000 | 8,753,000 | 9,131,000 | 9,527,000 |
| Total capital | 9,650,000 | 9,735,000 | 10,123,000 | 10,569,000 |
| Risk-weighted assets | 74,398,000 | 78,554,000 | 79,336,000 | 83,361,000 |