Call reports 2025
FMB BANK — 2025
What FMB 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 | 50,170,000 | 48,085,000 | 42,750,000 | 40,888,000 |
| Total loans | 14,312,000 | 14,996,000 | 14,372,000 | 13,257,000 |
| Allowance for loan losses | 187,000 | 188,000 | 184,000 | 122,000 |
| Securities available for sale | 22,432,000 | 20,924,000 | 20,158,000 | 20,334,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,123,000 | 44,965,000 | 39,179,000 | 37,250,000 |
| Interest-bearing deposits | 34,838,000 | 31,950,000 | 25,799,000 | 24,793,000 |
| Noninterest-bearing deposits | 12,285,000 | 13,015,000 | 13,380,000 | 12,457,000 |
| Equity capital | 2,899,000 | 2,963,000 | 3,428,000 | 3,521,000 |
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 | 493,000 | 999,000 | 1,519,000 | 1,960,000 |
| Interest expense | 163,000 | 317,000 | 442,000 | 549,000 |
| Net interest income | 330,000 | 682,000 | 1,077,000 | 1,411,000 |
| Noninterest income | 80,000 | 145,000 | 244,000 | 338,000 |
| Noninterest expense | 401,000 | 809,000 | 1,208,000 | 1,641,000 |
| Provision for loan losses | 8,000 | 8,000 | -94,000 | -149,000 |
| Pretax income | 10,000 | 20,000 | 220,000 | 271,000 |
| Income tax | 0 | -5,000 | 8,000 | 40,000 |
| Net income | 10,000 | 25,000 | 212,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,702,000 | 3,697,000 | 3,884,000 | 3,903,000 |
| Total capital | 3,890,000 | 3,887,000 | 4,069,000 | 4,026,000 |
| Risk-weighted assets | 27,443,000 | 28,723,000 | 27,493,000 | 26,199,000 |