Call reports 2025
FARMERS & MERCHANTS SAVINGS BANK — 2025
What FARMERS & MERCHANTS SAVINGS BANK 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 | 600,006,000 | 594,459,000 | 622,366,000 | 593,773,000 |
| Total loans | 421,211,000 | 403,569,000 | 415,478,000 | 434,810,000 |
| Allowance for loan losses | 7,764,000 | 7,746,000 | 8,060,000 | 6,829,000 |
| Securities available for sale | 144,302,000 | 119,937,000 | 137,676,000 | 135,454,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 510,877,000 | 514,215,000 | 544,224,000 | 514,050,000 |
| Interest-bearing deposits | 382,814,000 | 379,087,000 | 406,357,000 | 376,553,000 |
| Noninterest-bearing deposits | 128,063,000 | 135,128,000 | 137,867,000 | 137,497,000 |
| Equity capital | 75,264,000 | 76,120,000 | 74,137,000 | 75,957,000 |
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 | 8,048,000 | 16,072,000 | 25,076,000 | 33,639,000 |
| Interest expense | 2,496,000 | 4,885,000 | 7,132,000 | 9,207,000 |
| Net interest income | 5,552,000 | 11,187,000 | 17,944,000 | 24,432,000 |
| Noninterest income | 383,000 | 726,000 | 1,157,000 | 1,604,000 |
| Noninterest expense | 3,869,000 | 7,779,000 | 11,822,000 | 17,037,000 |
| Provision for loan losses | 0 | 0 | 4,395,000 | 4,395,000 |
| Pretax income | 2,055,000 | 4,137,000 | 2,860,000 | 4,579,000 |
| Income tax | 103,000 | 250,000 | 172,000 | 281,000 |
| Net income | 1,952,000 | 3,887,000 | 2,688,000 | 4,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,125,000 | 78,160,000 | 75,059,000 | 76,680,000 |
| Total capital | 84,219,000 | 84,323,000 | 81,297,000 | 83,509,000 |
| Risk-weighted assets | 485,892,000 | 491,481,000 | 497,183,000 | 546,314,000 |