Call reports 2025
FARMERS AND MERCHANTS BANK — 2025
What FARMERS AND 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 | 925,783,000 | 931,059,000 | 947,192,000 | 965,683,000 |
| Total loans | 524,375,000 | 529,672,000 | 527,292,000 | 530,780,000 |
| Allowance for loan losses | 10,506,000 | 10,489,000 | 10,482,000 | 10,336,000 |
| Securities available for sale | 140,151,000 | 162,383,000 | 194,203,000 | 225,209,000 |
| Securities held to maturity | 86,174,000 | 86,181,000 | 73,378,000 | 58,297,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 782,833,000 | 790,414,000 | 799,185,000 | 814,098,000 |
| Interest-bearing deposits | 520,450,000 | 520,741,000 | 538,471,000 | 563,130,000 |
| Noninterest-bearing deposits | 262,383,000 | 269,673,000 | 260,714,000 | 250,968,000 |
| Equity capital | 130,814,000 | 132,975,000 | 140,071,000 | 143,998,000 |
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 | 12,459,000 | 25,460,000 | 38,761,000 | 52,017,000 |
| Interest expense | 1,422,000 | 2,979,000 | 4,623,000 | 6,333,000 |
| Net interest income | 11,037,000 | 22,481,000 | 34,138,000 | 45,684,000 |
| Noninterest income | 2,162,000 | 4,433,000 | 6,910,000 | 9,374,000 |
| Noninterest expense | 6,991,000 | 14,095,000 | 21,338,000 | 28,708,000 |
| Provision for loan losses | -125,000 | -125,000 | -125,000 | -125,000 |
| Pretax income | 6,333,000 | 12,944,000 | 19,835,000 | 26,575,000 |
| Income tax | 1,360,000 | 2,768,000 | 4,233,000 | 5,671,000 |
| Net income | 4,973,000 | 10,176,000 | 15,602,000 | 20,904,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 131,494,000 | 134,448,000 | 138,738,000 | 142,931,000 |
| Total capital | 138,551,000 | 141,606,000 | 145,877,000 | 150,249,000 |
| Risk-weighted assets | 560,337,000 | 568,566,000 | 567,022,000 | 581,734,000 |