Call reports 2025
FARMERS BUILDING AND SAVINGS BANK — 2025
What FARMERS BUILDING AND SAVINGS 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 | 116,701,000 | 118,840,000 | 117,750,000 | 120,160,000 |
| Total loans | 54,750,000 | 56,801,000 | 57,484,000 | 58,371,000 |
| Allowance for loan losses | 425,000 | 492,000 | 441,000 | 505,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 26,341,000 | 26,338,000 | 26,332,000 | 25,954,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,835,000 | 92,916,000 | 91,667,000 | 94,070,000 |
| Interest-bearing deposits | 90,750,000 | 92,748,000 | 91,667,000 | 93,985,000 |
| Noninterest-bearing deposits | 85,000 | 168,000 | 0 | 85,000 |
| Equity capital | 24,461,000 | 24,473,000 | 24,601,000 | 24,748,000 |
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 | 1,080,000 | 2,172,000 | 3,298,000 | 4,388,000 |
| Interest expense | 670,000 | 1,350,000 | 2,043,000 | 2,742,000 |
| Net interest income | 410,000 | 822,000 | 1,255,000 | 1,646,000 |
| Noninterest income | 44,000 | 90,000 | 137,000 | 184,000 |
| Noninterest expense | 389,000 | 761,000 | 1,173,000 | 1,558,000 |
| Provision for loan losses | 0 | 67,000 | 16,000 | 80,000 |
| Pretax income | 78,000 | 105,000 | 248,000 | 262,000 |
| Income tax | -11,000 | 4,000 | 19,000 | -114,000 |
| Net income | 89,000 | 101,000 | 229,000 | 376,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,461,000 | 24,473,000 | 24,601,000 | 24,748,000 |
| Total capital | 24,958,000 | 25,042,000 | 25,110,000 | 25,307,000 |
| Risk-weighted assets | 49,896,000 | 52,877,000 | 52,837,000 | 52,851,000 |