Call reports 2025
INDEPENDENT FARMERS BANK — 2025
What INDEPENDENT FARMERS 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 | 151,049,000 | 148,929,000 | 146,080,000 | 150,137,000 |
| Total loans | 86,857,000 | 85,833,000 | 83,461,000 | 80,393,000 |
| Allowance for loan losses | 999,000 | 976,000 | 938,000 | 937,000 |
| Securities available for sale | 55,138,000 | 55,008,000 | 55,835,000 | 55,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,919,000 | 135,197,000 | 129,885,000 | 137,873,000 |
| Interest-bearing deposits | 105,908,000 | 103,973,000 | 99,146,000 | 105,082,000 |
| Noninterest-bearing deposits | 32,011,000 | 31,224,000 | 30,739,000 | 32,791,000 |
| Equity capital | 9,317,000 | 9,942,000 | 11,522,000 | 11,084,000 |
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 | 2,038,000 | 4,091,000 | 6,076,000 | 8,011,000 |
| Interest expense | 552,000 | 1,092,000 | 1,613,000 | 2,097,000 |
| Net interest income | 1,486,000 | 2,999,000 | 4,463,000 | 5,914,000 |
| Noninterest income | 103,000 | 210,000 | 318,000 | 417,000 |
| Noninterest expense | 980,000 | 2,011,000 | 3,073,000 | 4,150,000 |
| Provision for loan losses | 190,000 | 196,000 | 130,000 | 152,000 |
| Pretax income | 375,000 | 958,000 | 1,527,000 | 1,978,000 |
| Income tax | 63,000 | 171,000 | 277,000 | 318,000 |
| Net income | 312,000 | 787,000 | 1,250,000 | 1,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,945,000 | 15,420,000 | 15,883,000 | 15,272,000 |
| Total capital | 15,949,000 | 16,401,000 | 16,826,000 | 16,214,000 |
| Risk-weighted assets | 96,564,000 | 95,244,000 | 92,100,000 | 89,779,000 |