Call reports 2025
FARMERS AND MINERS BANK — 2025
What FARMERS AND MINERS 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 | 179,926,000 | 179,844,000 | 183,892,000 | 184,660,000 |
| Total loans | 92,899,000 | 94,827,000 | 96,257,000 | 98,809,000 |
| Allowance for loan losses | 1,529,000 | 1,536,000 | 1,542,000 | 1,550,000 |
| Securities available for sale | 18,990,000 | 16,462,000 | 18,372,000 | 18,957,000 |
| Securities held to maturity | 10,032,000 | 9,335,000 | 8,985,000 | 8,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 155,342,000 | 154,870,000 | 157,989,000 | 158,865,000 |
| Interest-bearing deposits | 97,715,000 | 96,746,000 | 97,563,000 | 98,470,000 |
| Noninterest-bearing deposits | 57,627,000 | 58,124,000 | 60,426,000 | 60,395,000 |
| Equity capital | 23,372,000 | 24,016,000 | 24,728,000 | 24,292,000 |
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 | 2,485,000 | 5,067,000 | 7,685,000 | 10,345,000 |
| Interest expense | 428,000 | 863,000 | 1,292,000 | 1,716,000 |
| Net interest income | 2,057,000 | 4,204,000 | 6,393,000 | 8,629,000 |
| Noninterest income | 275,000 | 555,000 | 834,000 | 1,107,000 |
| Noninterest expense | 1,477,000 | 2,990,000 | 4,517,000 | 6,327,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 835,000 | 1,726,000 | 2,649,000 | 3,323,000 |
| Income tax | 160,000 | 333,000 | 518,000 | 668,000 |
| Net income | 675,000 | 1,393,000 | 2,131,000 | 2,655,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,717,000 | 24,285,000 | 24,874,000 | 24,397,000 |