Call reports 2025
FARMERS & MERCHANTS BANK — 2025
What FARMERS & 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 | 331,844,000 | 340,971,000 | 347,503,000 | 354,811,000 |
| Total loans | 269,379,000 | 277,240,000 | 281,564,000 | 286,956,000 |
| Allowance for loan losses | 4,047,000 | 4,203,000 | 4,347,000 | 4,394,000 |
| Securities available for sale | 50,148,000 | 50,561,000 | 53,846,000 | 48,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,057,000 | 294,150,000 | 297,943,000 | 303,425,000 |
| Interest-bearing deposits | 205,323,000 | 212,806,000 | 219,884,000 | 226,727,000 |
| Noninterest-bearing deposits | 79,734,000 | 81,344,000 | 78,059,000 | 76,698,000 |
| Equity capital | 31,707,000 | 33,382,000 | 35,821,000 | 37,587,000 |
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 | 4,866,000 | 10,043,000 | 15,309,000 | 20,636,000 |
| Interest expense | 1,479,000 | 2,984,000 | 4,600,000 | 6,219,000 |
| Net interest income | 3,387,000 | 7,059,000 | 10,709,000 | 14,417,000 |
| Noninterest income | 327,000 | 689,000 | 1,061,000 | 1,449,000 |
| Noninterest expense | 1,889,000 | 3,825,000 | 5,843,000 | 7,902,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,673,000 | 3,620,000 | 5,469,000 | 6,900,000 |
| Income tax | 331,000 | 718,000 | 1,084,000 | 1,361,000 |
| Net income | 1,342,000 | 2,902,000 | 4,385,000 | 5,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,271,000 | 37,831,000 | 39,314,000 | 40,468,000 |
| Total capital | 39,891,000 | 41,538,000 | 43,054,000 | — |
| Risk-weighted assets | 289,221,000 | 296,096,000 | 298,659,000 | — |