Call reports 2025
FIRST MERCHANTS BANK — 2025
What FIRST MERCHANTS 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 | 18,425,841,000 | 18,580,550,000 | 18,798,822,000 | 19,011,326,000 |
| Total loans | 13,027,909,000 | 13,325,542,000 | 13,614,364,000 | 13,811,786,000 |
| Allowance for loan losses | 192,031,000 | 195,316,000 | 194,468,000 | 195,597,000 |
| Securities available for sale | 1,378,485,000 | 1,358,130,000 | 1,386,903,000 | 1,407,102,000 |
| Securities held to maturity | 2,048,877,000 | 2,023,071,000 | 1,995,733,000 | 1,971,784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,508,219,000 | 14,860,189,000 | 14,922,900,000 | 15,336,558,000 |
| Interest-bearing deposits | 12,276,921,000 | 12,600,162,000 | 12,769,409,000 | 13,157,593,000 |
| Noninterest-bearing deposits | 2,231,298,000 | 2,260,027,000 | 2,153,491,000 | 2,178,965,000 |
| Equity capital | 2,332,623,000 | 2,333,116,000 | 2,402,836,000 | 2,469,036,000 |
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 | 222,518,000 | 452,253,000 | 687,349,000 | 924,792,000 |
| Interest expense | 91,595,000 | 187,307,000 | 287,774,000 | 385,239,000 |
| Net interest income | 130,923,000 | 264,946,000 | 399,575,000 | 539,553,000 |
| Noninterest income | 29,460,000 | 60,752,000 | 91,993,000 | 124,169,000 |
| Noninterest expense | 90,174,000 | 181,802,000 | 274,850,000 | 370,887,000 |
| Provision for loan losses | 4,200,000 | 9,800,000 | 14,100,000 | 21,250,000 |
| Pretax income | 66,002,000 | 134,088,000 | 202,610,000 | 271,577,000 |
| Income tax | 8,498,000 | 17,429,000 | 26,503,000 | 35,635,000 |
| Net income | 57,504,000 | 116,659,000 | 176,107,000 | 235,942,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,796,554,000 | 1,798,034,000 | 1,834,899,000 | 1,876,817,000 |
| Total capital | 1,989,507,000 | 1,995,528,000 | 2,035,936,000 | 2,074,790,000 |
| Risk-weighted assets | 15,420,021,000 | 15,784,092,000 | 16,072,217,000 | 15,824,187,000 |