Call reports 2025
MERCHANTS & FARMERS BANK & TRUST COMPANY — 2025
What MERCHANTS & FARMERS BANK & TRUST COMPANY 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 | 522,089,000 | 524,899,000 | 507,980,000 | 533,315,000 |
| Total loans | 254,259,000 | 252,412,000 | 259,321,000 | 268,758,000 |
| Allowance for loan losses | 2,650,000 | 2,592,000 | 2,501,000 | 2,707,000 |
| Securities available for sale | 160,579,000 | 160,821,000 | 167,296,000 | 165,808,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 475,535,000 | 478,211,000 | 456,283,000 | 479,875,000 |
| Interest-bearing deposits | 322,961,000 | 338,488,000 | 322,106,000 | 340,497,000 |
| Noninterest-bearing deposits | 152,574,000 | 139,723,000 | 134,177,000 | 139,378,000 |
| Equity capital | 44,301,000 | 44,029,000 | 48,992,000 | 51,311,000 |
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 | 5,427,000 | 11,038,000 | 16,827,000 | 22,645,000 |
| Interest expense | 1,272,000 | 2,624,000 | 4,050,000 | 5,388,000 |
| Net interest income | 4,155,000 | 8,414,000 | 12,777,000 | 17,257,000 |
| Noninterest income | 531,000 | 1,133,000 | 1,693,000 | 2,245,000 |
| Noninterest expense | 3,676,000 | 7,197,000 | 10,927,000 | 14,510,000 |
| Provision for loan losses | -200,000 | -185,000 | -126,000 | 109,000 |
| Pretax income | 992,000 | 2,317,000 | 3,427,000 | 4,640,000 |
| Income tax | 123,000 | 348,000 | 516,000 | 905,000 |
| Net income | 869,000 | 1,969,000 | 2,911,000 | 3,735,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 56,867,000 | 57,695,000 | 58,665,000 | 59,218,000 |
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