Call reports 2025
FARMERS & MERCHANTS SAVINGS BANK — 2025
What FARMERS & MERCHANTS 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 | 123,602,000 | 121,223,000 | 120,977,000 | 123,102,000 |
| Total loans | 79,922,000 | 78,838,000 | 76,502,000 | 79,201,000 |
| Allowance for loan losses | 1,030,000 | 1,026,000 | 1,024,000 | 1,027,000 |
| Securities available for sale | 32,368,000 | 33,729,000 | 34,632,000 | 34,805,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,300,000 | 100,635,000 | 100,027,000 | 101,740,000 |
| Interest-bearing deposits | 78,556,000 | 76,766,000 | 77,526,000 | 79,187,000 |
| Noninterest-bearing deposits | 24,744,000 | 23,869,000 | 22,501,000 | 22,553,000 |
| Equity capital | 16,140,000 | 16,464,000 | 16,785,000 | 17,111,000 |
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 | 1,383,000 | 2,787,000 | 4,195,000 | 5,633,000 |
| Interest expense | 460,000 | 902,000 | 1,358,000 | 1,842,000 |
| Net interest income | 923,000 | 1,885,000 | 2,837,000 | 3,791,000 |
| Noninterest income | 39,000 | 82,000 | 151,000 | 216,000 |
| Noninterest expense | 635,000 | 1,246,000 | 1,891,000 | 2,547,000 |
| Provision for loan losses | -8,000 | -8,000 | -11,000 | -8,000 |
| Pretax income | 327,000 | 719,000 | 1,097,000 | 1,460,000 |
| Income tax | 73,000 | 168,000 | 259,000 | 324,000 |
| Net income | 254,000 | 551,000 | 838,000 | 1,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,937,000 | 16,234,000 | 16,111,000 | 16,408,000 |
| Total capital | — | 17,320,000 | 17,196,000 | — |
| Risk-weighted assets | — | 94,992,000 | 91,547,000 | — |