Call reports 2025
FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED — 2025
What FARMERS & MERCHANTS STATE BANK OF NEW YORK MILLS, INCORPORATED 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 | 78,382,000 | 78,683,000 | 77,645,000 | 78,514,000 |
| Total loans | 33,132,000 | 34,393,000 | 34,268,000 | 33,288,000 |
| Allowance for loan losses | 439,000 | 507,000 | 531,000 | 526,000 |
| Securities available for sale | 34,204,000 | 37,152,000 | 38,953,000 | 38,859,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,374,000 | 72,308,000 | 69,062,000 | 70,596,000 |
| Interest-bearing deposits | 52,830,000 | 54,926,000 | 51,814,000 | 53,795,000 |
| Noninterest-bearing deposits | 19,544,000 | 17,382,000 | 17,248,000 | 16,801,000 |
| Equity capital | 5,247,000 | 5,598,000 | 6,442,000 | 7,105,000 |
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 | 851,000 | 1,749,000 | 2,645,000 | 3,552,000 |
| Interest expense | 341,000 | 680,000 | 1,007,000 | 1,340,000 |
| Net interest income | 510,000 | 1,069,000 | 1,638,000 | 2,212,000 |
| Noninterest income | 51,000 | 103,000 | 210,000 | 270,000 |
| Noninterest expense | 560,000 | 1,080,000 | 1,545,000 | 2,035,000 |
| Provision for loan losses | 0 | 68,000 | 92,000 | 93,000 |
| Pretax income | -12,000 | 18,000 | 166,000 | 322,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -12,000 | 18,000 | 166,000 | 322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,900,000 | 10,856,000 | 11,003,000 | 11,160,000 |
| Total capital | 11,339,000 | 11,363,000 | 11,530,000 | 11,677,000 |
| Risk-weighted assets | 41,213,000 | 43,324,000 | 42,155,000 | 41,325,000 |