{"schema_version":"secwatch.filing_event.v1","accession":"0001437749-22-017403","form_type":"8-K","ticker":"FMFG","cik":"0001698022","company_name":"Farmers & Merchants Bancshares, Inc.","filed_at":"2022-07-20T23:59:59+00:00","discovered_at":"2026-05-14T18:03:56.695757+00:00","generated_at":"2026-06-24T11:22:40.276599+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"confidence":"high","headline":"Farmers and Merchants Bancshares reports net income of $4.1M for H1 2022, or $1.35 per share","bullets":["Net income for six months ended June 30, 2022 was $4,101,535, or $1.35 per share, compared to $4,061,794 in same period 2021","Net interest income increased $620,298 due to $29.0M growth in average interest-earning assets to $679.3M","No provision for loan losses for six months versus $100,000 in prior year period","Book value per share decreased to $15.78 from $18.64 due to decline in AFS investment portfolio market value from rising interest rates"],"urls":{"canonical":"https://secwatch.observer/filing/0001437749-22-017403","json":"https://secwatch.observer/filing/0001437749-22-017403.json","markdown":"https://secwatch.observer/filing/0001437749-22-017403.md","text":"https://secwatch.observer/filing/0001437749-22-017403.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1698022/000143774922017403/0001437749-22-017403-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1698022/000143774922017403/fmfg20220718_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-24T11:22:40.276599+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}