Call reports 2025
FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD — 2025
What FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD 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 | 135,952,000 | 132,848,000 | 135,714,000 | 141,380,000 |
| Total loans | 98,233,000 | 93,914,000 | 88,027,000 | 92,339,000 |
| Allowance for loan losses | 1,473,000 | 1,497,000 | 1,521,000 | 1,543,000 |
| Securities available for sale | 22,537,000 | 24,143,000 | 24,783,000 | 27,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,220,000 | 113,505,000 | 115,957,000 | 121,518,000 |
| Interest-bearing deposits | 98,381,000 | 94,891,000 | 94,913,000 | 97,629,000 |
| Noninterest-bearing deposits | 20,839,000 | 18,614,000 | 21,044,000 | 23,889,000 |
| Equity capital | 11,534,000 | 11,912,000 | 12,350,000 | 12,759,000 |
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 | 1,809,000 | 3,676,000 | 5,488,000 | 7,384,000 |
| Interest expense | 425,000 | 818,000 | 1,204,000 | 1,642,000 |
| Net interest income | 1,384,000 | 2,858,000 | 4,284,000 | 5,742,000 |
| Noninterest income | 45,000 | 102,000 | 158,000 | 262,000 |
| Noninterest expense | 812,000 | 1,673,000 | 2,489,000 | 3,447,000 |
| Provision for loan losses | 32,000 | 56,000 | 80,000 | 104,000 |
| Pretax income | 583,000 | 1,230,000 | 1,854,000 | 2,439,000 |
| Income tax | 60,000 | 101,000 | 163,000 | 230,000 |
| Net income | 523,000 | 1,129,000 | 1,691,000 | 2,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,803,000 | 12,032,000 | 12,384,000 | 12,709,000 |
| Total capital | 12,930,000 | 13,107,000 | 13,375,000 | 13,752,000 |
| Risk-weighted assets | 89,846,000 | 85,607,000 | 78,828,000 | 83,018,000 |