Call reports 2025
FARMERS BANK & TRUST COMPANY — 2025
What FARMERS BANK & TRUST COMPANY 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 | 2,977,359,000 | 2,984,470,000 | 3,008,576,000 | 3,050,571,000 |
| Total loans | 2,235,255,000 | 2,276,354,000 | 2,298,497,000 | 2,348,230,000 |
| Allowance for loan losses | 35,054,000 | 36,425,000 | 38,037,000 | 36,154,000 |
| Securities available for sale | 469,112,000 | 464,301,000 | 468,559,000 | 470,651,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,712,374,000 | 2,710,188,000 | 2,672,998,000 | 2,733,700,000 |
| Interest-bearing deposits | 2,170,750,000 | 2,150,657,000 | 2,112,399,000 | 2,162,644,000 |
| Noninterest-bearing deposits | 541,624,000 | 559,531,000 | 560,599,000 | 571,056,000 |
| Equity capital | 238,279,000 | 248,652,000 | 263,831,000 | 274,503,000 |
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 | 42,382,000 | 85,383,000 | 129,548,000 | 172,201,000 |
| Interest expense | 16,837,000 | 33,173,000 | 49,322,000 | 65,146,000 |
| Net interest income | 25,545,000 | 52,210,000 | 80,226,000 | 107,055,000 |
| Noninterest income | 5,949,000 | 11,805,000 | 18,350,000 | 25,336,000 |
| Noninterest expense | 17,897,000 | 37,330,000 | 56,359,000 | 77,702,000 |
| Provision for loan losses | 1,220,000 | 2,885,000 | 4,887,000 | 5,017,000 |
| Pretax income | 12,264,000 | 24,468,000 | 38,720,000 | 50,787,000 |
| Income tax | 2,463,000 | 4,288,000 | 7,558,000 | 10,017,000 |
| Net income | 9,801,000 | 20,180,000 | 31,162,000 | 40,770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 275,083,000 | 285,684,000 | 292,883,000 | 300,048,000 |
| Total capital | 306,297,000 | 317,206,000 | 324,645,000 | 332,163,000 |
| Risk-weighted assets | 2,492,015,000 | 2,515,824,000 | 2,534,209,000 | 2,564,770,000 |