Call reports 2025
FARMERS AND MERCHANTS BANK, THE — 2025
What FARMERS AND MERCHANTS BANK, 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 | 210,518,000 | 206,387,000 | 205,655,000 | 210,384,000 |
| Total loans | 129,976,000 | 136,029,000 | 139,124,000 | 142,208,000 |
| Allowance for loan losses | 1,512,000 | 1,579,000 | 1,583,000 | 1,609,000 |
| Securities available for sale | 44,451,000 | 42,276,000 | 42,138,000 | 41,832,000 |
| Securities held to maturity | 12,017,000 | 11,999,000 | 11,925,000 | 11,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,663,000 | 187,980,000 | 179,813,000 | 183,883,000 |
| Interest-bearing deposits | 157,509,000 | 157,202,000 | 149,804,000 | 151,594,000 |
| Noninterest-bearing deposits | 35,154,000 | 30,778,000 | 30,009,000 | 32,289,000 |
| Equity capital | 15,386,000 | 15,976,000 | 16,893,000 | 17,205,000 |
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 | 2,243,000 | 4,563,000 | 6,953,000 | 9,318,000 |
| Interest expense | 852,000 | 1,566,000 | 2,300,000 | 3,039,000 |
| Net interest income | 1,391,000 | 2,997,000 | 4,653,000 | 6,279,000 |
| Noninterest income | 148,000 | 529,000 | 719,000 | 886,000 |
| Noninterest expense | 1,320,000 | 2,655,000 | 3,964,000 | 5,399,000 |
| Provision for loan losses | 11,000 | 76,000 | 79,000 | 102,000 |
| Pretax income | 203,000 | 798,000 | 1,313,000 | 1,660,000 |
| Income tax | 5,000 | 106,000 | 183,000 | 217,000 |
| Net income | 198,000 | 692,000 | 1,130,000 | 1,443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,705,000 | 18,058,000 | 18,468,000 | 18,640,000 |
| Total capital | 19,332,000 | 19,743,000 | 20,175,000 | 20,361,000 |
| Risk-weighted assets | 145,130,000 | 145,752,000 | 147,268,000 | 148,407,000 |