Call reports 2025
FARMERS BANK OF WILLARDS, THE — 2025
What FARMERS BANK OF WILLARDS, THE 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 | 561,558,000 | 549,368,000 | 551,502,000 | 552,600,000 |
| Total loans | 374,224,000 | 377,034,000 | 385,768,000 | 390,376,000 |
| Allowance for loan losses | 4,230,000 | 4,371,000 | 4,288,000 | 4,406,000 |
| Securities available for sale | 64,819,000 | 59,243,000 | 59,482,000 | 50,783,000 |
| Securities held to maturity | 54,293,000 | 53,301,000 | 49,251,000 | 48,498,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,245,000 | 460,893,000 | 463,511,000 | 468,296,000 |
| Interest-bearing deposits | 328,751,000 | 312,565,000 | 308,240,000 | 318,337,000 |
| Noninterest-bearing deposits | 140,494,000 | 148,328,000 | 155,271,000 | 149,959,000 |
| Equity capital | 58,425,000 | 59,798,000 | 61,621,000 | 61,373,000 |
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 | 7,266,000 | 14,559,000 | 21,961,000 | 29,417,000 |
| Interest expense | 1,964,000 | 3,757,000 | 5,464,000 | 7,121,000 |
| Net interest income | 5,302,000 | 10,802,000 | 16,497,000 | 22,296,000 |
| Noninterest income | 607,000 | 1,241,000 | 1,989,000 | 2,610,000 |
| Noninterest expense | 3,674,000 | 7,449,000 | 11,102,000 | 14,932,000 |
| Provision for loan losses | 150,000 | 300,000 | 375,000 | 546,000 |
| Pretax income | 2,085,000 | 4,294,000 | 7,009,000 | 9,449,000 |
| Income tax | 515,000 | 1,086,000 | 1,779,000 | 2,410,000 |
| Net income | 1,570,000 | 3,208,000 | 5,230,000 | 7,039,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 59,455,000 | 61,040,000 | 62,439,000 | 62,112,000 |
| Total capital | 63,716,000 | 65,337,000 | 66,758,000 | 66,438,000 |
| Risk-weighted assets | 343,062,000 | 343,686,000 | 350,898,000 | 345,937,000 |