Call reports 2025
FARMERS STATE BANK OF EMDEN — 2025
What FARMERS STATE BANK OF EMDEN 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 | 38,779,000 | 38,260,000 | 37,470,000 | 37,148,000 |
| Total loans | 12,881,000 | 11,802,000 | 11,644,000 | 13,220,000 |
| Allowance for loan losses | 78,000 | 84,000 | 84,000 | 91,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,347,000 | 22,143,000 | 22,095,000 | 21,348,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,811,000 | 27,184,000 | 26,226,000 | 25,938,000 |
| Interest-bearing deposits | 21,528,000 | 22,157,000 | 21,508,000 | 21,448,000 |
| Noninterest-bearing deposits | 6,283,000 | 5,027,000 | 4,718,000 | 4,490,000 |
| Equity capital | 10,778,000 | 10,889,000 | 11,018,000 | 11,028,000 |
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 | 376,000 | 747,000 | 1,119,000 | 1,485,000 |
| Interest expense | 51,000 | 104,000 | 158,000 | 213,000 |
| Net interest income | 325,000 | 643,000 | 961,000 | 1,272,000 |
| Noninterest income | 25,000 | 30,000 | 38,000 | 44,000 |
| Noninterest expense | 154,000 | 334,000 | 495,000 | 667,000 |
| Provision for loan losses | 5,000 | 11,000 | 11,000 | 18,000 |
| Pretax income | 191,000 | 328,000 | 493,000 | 631,000 |
| Income tax | 43,000 | 69,000 | 105,000 | 132,000 |
| Net income | 148,000 | 259,000 | 388,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,778,000 | 10,889,000 | 11,018,000 | 11,029,000 |
| Total capital | 10,856,000 | 10,973,000 | 11,102,000 | 11,120,000 |
| Risk-weighted assets | 22,167,000 | 19,162,000 | 18,828,000 | 18,295,000 |