Call reports 2025
FARMERS AND MERCHANTS STATE BANK OF PIERZ — 2025
What FARMERS AND MERCHANTS STATE BANK OF PIERZ 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 | 320,572,000 | 321,415,000 | 335,016,000 | 342,395,000 |
| Total loans | 220,979,000 | 200,319,000 | 208,267,000 | 213,836,000 |
| Allowance for loan losses | 2,993,000 | 2,694,000 | 2,795,000 | 3,097,000 |
| Securities available for sale | 63,876,000 | 75,034,000 | 90,689,000 | 102,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,942,000 | 298,452,000 | 308,790,000 | 314,130,000 |
| Interest-bearing deposits | 211,772,000 | 213,989,000 | 217,112,000 | 222,816,000 |
| Noninterest-bearing deposits | 86,170,000 | 84,463,000 | 91,678,000 | 91,314,000 |
| Equity capital | 19,388,000 | 21,513,000 | 24,296,000 | 26,711,000 |
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 | 4,483,000 | 9,046,000 | 13,951,000 | 18,973,000 |
| Interest expense | 1,223,000 | 2,422,000 | 3,635,000 | 4,796,000 |
| Net interest income | 3,260,000 | 6,624,000 | 10,316,000 | 14,177,000 |
| Noninterest income | 263,000 | 549,000 | 870,000 | 1,158,000 |
| Noninterest expense | 2,162,000 | 4,475,000 | 6,606,000 | 8,806,000 |
| Provision for loan losses | 102,000 | -198,000 | -100,000 | 202,000 |
| Pretax income | 433,000 | 2,069,000 | 2,915,000 | 4,562,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 433,000 | 2,069,000 | 2,915,000 | 4,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,384,000 | 32,205,000 | 32,422,000 | 33,769,000 |