Call reports 2025
FMS BANK — 2025
What FMS 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 | 318,409,000 | 317,414,000 | 339,058,000 | 338,567,000 |
| Total loans | 231,605,000 | 246,843,000 | 256,188,000 | 260,400,000 |
| Allowance for loan losses | 2,854,000 | 3,001,000 | 3,319,000 | 4,044,000 |
| Securities available for sale | 43,668,000 | 43,146,000 | 45,051,000 | 44,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,760,000 | 278,182,000 | 304,878,000 | 305,299,000 |
| Interest-bearing deposits | 201,022,000 | 191,927,000 | 216,820,000 | 227,719,000 |
| Noninterest-bearing deposits | 84,738,000 | 86,255,000 | 88,058,000 | 77,580,000 |
| Equity capital | 30,890,000 | 30,887,000 | 31,963,000 | 31,158,000 |
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 | 5,654,000 | 11,249,000 | 17,173,000 | 23,248,000 |
| Interest expense | 1,541,000 | 2,913,000 | 4,377,000 | 6,026,000 |
| Net interest income | 4,113,000 | 8,336,000 | 12,796,000 | 17,222,000 |
| Noninterest income | 349,000 | 747,000 | 1,127,000 | 1,578,000 |
| Noninterest expense | 3,085,000 | 6,193,000 | 9,491,000 | 13,096,000 |
| Provision for loan losses | 647,000 | 1,235,000 | 2,241,000 | 4,188,000 |
| Pretax income | 730,000 | 1,655,000 | 2,191,000 | 1,516,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 730,000 | 1,655,000 | 2,191,000 | 1,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,171,000 | 34,396,000 | 34,370,000 | 33,296,000 |
| Total capital | 37,034,000 | 37,406,000 | 37,698,000 | 37,142,000 |
| Risk-weighted assets | 283,356,000 | 296,970,000 | 305,920,000 | 307,514,000 |