Call reports 2025
FARMERS STATE BANK & TRUST CO. — 2025
What FARMERS STATE BANK & TRUST CO. 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 | 127,712,000 | 129,257,000 | 128,573,000 | 134,146,000 |
| Total loans | 92,067,000 | 91,477,000 | 90,381,000 | 91,948,000 |
| Allowance for loan losses | 993,000 | 1,023,000 | 1,053,000 | 1,081,000 |
| Securities available for sale | 23,155,000 | 24,545,000 | 26,207,000 | 25,074,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,379,000 | 117,850,000 | 116,551,000 | 122,000,000 |
| Interest-bearing deposits | 96,351,000 | 98,037,000 | 96,185,000 | 96,088,000 |
| Noninterest-bearing deposits | 20,028,000 | 19,813,000 | 20,366,000 | 25,912,000 |
| Equity capital | 9,866,000 | 9,979,000 | 10,652,000 | 10,755,000 |
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 | 1,668,000 | 3,390,000 | 5,158,000 | 6,923,000 |
| Interest expense | 554,000 | 1,113,000 | 1,678,000 | 2,221,000 |
| Net interest income | 1,114,000 | 2,277,000 | 3,480,000 | 4,702,000 |
| Noninterest income | 115,000 | 230,000 | 345,000 | 489,000 |
| Noninterest expense | 616,000 | 1,309,000 | 1,994,000 | 2,773,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 583,000 | 1,138,000 | 1,741,000 | 2,298,000 |
| Income tax | 155,000 | 302,000 | 461,000 | 606,000 |
| Net income | 428,000 | 836,000 | 1,280,000 | 1,692,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,302,000 | 11,510,000 | 11,754,000 | 11,766,000 |
| Total capital | 12,315,000 | 12,553,000 | 12,827,000 | 12,867,000 |
| Risk-weighted assets | 96,737,000 | 95,108,000 | 93,295,000 | 94,926,000 |