Call reports 2025
FARMERS AND MECHANICS FEDERAL SAVINGS BANK — 2025
What FARMERS AND MECHANICS FEDERAL 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 | 119,216,000 | 117,253,000 | 117,860,000 | 116,833,000 |
| Total loans | 65,353,000 | 67,590,000 | 71,111,000 | 68,560,000 |
| Allowance for loan losses | 266,000 | 266,000 | 297,000 | 328,000 |
| Securities available for sale | 39,922,000 | 36,743,000 | 36,671,000 | 36,511,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,163,000 | 105,938,000 | 106,113,000 | 109,868,000 |
| Interest-bearing deposits | 97,186,000 | 94,319,000 | 96,346,000 | 100,575,000 |
| Noninterest-bearing deposits | 11,977,000 | 11,619,000 | 9,767,000 | 9,293,000 |
| Equity capital | 4,610,000 | 4,919,000 | 5,315,000 | 5,550,000 |
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 | 1,299,000 | 2,610,000 | 3,978,000 | 5,322,000 |
| Interest expense | 579,000 | 1,108,000 | 1,616,000 | 2,172,000 |
| Net interest income | 720,000 | 1,502,000 | 2,362,000 | 3,150,000 |
| Noninterest income | 72,000 | 153,000 | 236,000 | 365,000 |
| Noninterest expense | 913,000 | 1,817,000 | 2,709,000 | 3,660,000 |
| Provision for loan losses | 0 | 0 | 110,000 | 153,000 |
| Pretax income | -124,000 | -173,000 | -232,000 | -309,000 |
| Income tax | 0 | -1,000 | -1,000 | -1,000 |
| Net income | -124,000 | -172,000 | -231,000 | -308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,175,000 | 8,125,000 | 8,069,000 | 7,991,000 |
| Total capital | 8,462,000 | 8,412,000 | 8,387,000 | 8,340,000 |
| Risk-weighted assets | 62,294,000 | 73,715,000 | 74,161,000 | 75,620,000 |