Call reports 2025
FARMERS SAVINGS BANK & TRUST — 2025
What FARMERS SAVINGS BANK & TRUST 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 | 228,387,000 | 215,479,000 | 227,539,000 | 212,505,000 |
| Total loans | 109,538,000 | 108,033,000 | 111,720,000 | 115,390,000 |
| Allowance for loan losses | 676,000 | 691,000 | 717,000 | 732,000 |
| Securities available for sale | 82,382,000 | 82,213,000 | 88,905,000 | 84,029,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 212,078,000 | 198,929,000 | 208,796,000 | 192,614,000 |
| Interest-bearing deposits | 168,934,000 | 155,954,000 | 166,222,000 | 150,578,000 |
| Noninterest-bearing deposits | 43,144,000 | 42,975,000 | 42,574,000 | 42,036,000 |
| Equity capital | 11,547,000 | 11,692,000 | 14,087,000 | 14,923,000 |
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 | 2,276,000 | 4,647,000 | 7,034,000 | 9,479,000 |
| Interest expense | 755,000 | 1,520,000 | 2,283,000 | 3,014,000 |
| Net interest income | 1,521,000 | 3,127,000 | 4,751,000 | 6,465,000 |
| Noninterest income | 393,000 | 592,000 | 750,000 | 1,016,000 |
| Noninterest expense | 1,079,000 | 2,170,000 | 3,247,000 | 4,427,000 |
| Provision for loan losses | 0 | 15,000 | 40,000 | 55,000 |
| Pretax income | 820,000 | 1,507,000 | 2,156,000 | 2,930,000 |
| Income tax | 32,000 | 61,000 | 89,000 | 114,000 |
| Net income | 788,000 | 1,446,000 | 2,067,000 | 2,816,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,146,000 | 22,305,000 | 22,525,000 | 22,874,000 |
| Total capital | 22,822,000 | 22,996,000 | 23,242,000 | 23,606,000 |
| Risk-weighted assets | 131,585,000 | 127,673,000 | 127,193,000 | 127,767,000 |