Call reports 2025
FARMERS AND MERCHANTS BANK OF CRAIG COUNTY, THE — 2025
What FARMERS AND MERCHANTS BANK OF CRAIG COUNTY, 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 | 89,389,000 | 91,060,000 | 90,660,000 | 92,762,000 |
| Total loans | 54,096,000 | 56,406,000 | 57,989,000 | 60,293,000 |
| Allowance for loan losses | 669,000 | 693,000 | 710,000 | 751,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 28,939,000 | 28,590,000 | 28,056,000 | 27,527,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,191,000 | 75,662,000 | 74,897,000 | 76,828,000 |
| Interest-bearing deposits | 54,418,000 | 56,322,000 | 54,593,000 | 57,042,000 |
| Noninterest-bearing deposits | 19,773,000 | 19,340,000 | 20,304,000 | 19,786,000 |
| Equity capital | 14,894,000 | 15,118,000 | 15,366,000 | 15,600,000 |
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 | 951,000 | 1,946,000 | 2,979,000 | 4,058,000 |
| Interest expense | 255,000 | 517,000 | 787,000 | 1,065,000 |
| Net interest income | 696,000 | 1,429,000 | 2,192,000 | 2,993,000 |
| Noninterest income | 37,000 | 88,000 | 139,000 | 206,000 |
| Noninterest expense | 487,000 | 983,000 | 1,472,000 | 1,989,000 |
| Provision for loan losses | 10,000 | 33,000 | 50,000 | 50,000 |
| Pretax income | 236,000 | 501,000 | 809,000 | 1,149,000 |
| Income tax | 34,000 | 75,000 | 135,000 | 241,000 |
| Net income | 202,000 | 426,000 | 674,000 | 908,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,894,000 | 15,118,000 | 15,366,000 | 15,600,000 |