Call reports 2025
FARMERS BANK AND SAVINGS COMPANY, THE — 2025
What FARMERS BANK AND SAVINGS COMPANY, 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 | 464,754,000 | 461,872,000 | 461,264,000 | 463,455,000 |
| Total loans | 297,796,000 | 301,847,000 | 312,001,000 | 323,236,000 |
| Allowance for loan losses | 2,922,000 | 2,891,000 | 3,021,000 | 3,208,000 |
| Securities available for sale | 111,945,000 | 108,233,000 | 104,164,000 | 98,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,209,000 | 419,044,000 | 416,894,000 | 418,942,000 |
| Interest-bearing deposits | 317,903,000 | 312,529,000 | 312,628,000 | 313,293,000 |
| Noninterest-bearing deposits | 105,306,000 | 106,515,000 | 104,266,000 | 105,649,000 |
| Equity capital | 39,628,000 | 40,396,000 | 41,990,000 | 42,870,000 |
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 | 5,592,000 | 11,458,000 | 17,404,000 | 23,506,000 |
| Interest expense | 2,027,000 | 3,944,000 | 5,908,000 | 7,878,000 |
| Net interest income | 3,565,000 | 7,514,000 | 11,496,000 | 15,628,000 |
| Noninterest income | 702,000 | 1,432,000 | 2,168,000 | 2,962,000 |
| Noninterest expense | 3,412,000 | 6,915,000 | 10,473,000 | 14,086,000 |
| Provision for loan losses | 100,000 | 200,000 | 330,000 | 530,000 |
| Pretax income | 755,000 | 1,831,000 | 2,861,000 | 3,974,000 |
| Income tax | 137,000 | 339,000 | 534,000 | 746,000 |
| Net income | 618,000 | 1,492,000 | 2,327,000 | 3,228,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,090,000 | 41,671,000 | 42,192,000 | 42,673,000 |