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 | 817,249,000 | 841,714,000 | 869,676,000 | 872,370,000 |
| Total loans | 604,592,000 | 620,343,000 | 626,714,000 | 638,218,000 |
| Allowance for loan losses | 4,303,000 | 4,233,000 | 4,257,000 | 4,360,000 |
| Securities available for sale | 123,781,000 | 121,434,000 | 121,138,000 | 118,730,000 |
| Securities held to maturity | 21,197,000 | 21,409,000 | 21,208,000 | 21,134,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 736,645,000 | 750,163,000 | 737,101,000 | 722,077,000 |
| Interest-bearing deposits | 628,026,000 | 626,034,000 | 612,276,000 | 599,629,000 |
| Noninterest-bearing deposits | 108,619,000 | 124,129,000 | 124,825,000 | 122,448,000 |
| Equity capital | 68,678,000 | 69,329,000 | 72,477,000 | 75,797,000 |
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 | 9,882,000 | 20,172,000 | 31,126,000 | 42,425,000 |
| Interest expense | 4,276,000 | 8,467,000 | 12,951,000 | 17,357,000 |
| Net interest income | 5,606,000 | 11,705,000 | 18,175,000 | 25,068,000 |
| Noninterest income | 409,000 | 879,000 | 1,469,000 | 1,918,000 |
| Noninterest expense | 4,506,000 | 9,224,000 | 13,616,000 | 18,310,000 |
| Provision for loan losses | 40,000 | 314,000 | 623,000 | 723,000 |
| Pretax income | 1,582,000 | 3,195,000 | 5,543,000 | 8,092,000 |
| Income tax | 347,000 | 658,000 | 1,149,000 | 1,759,000 |
| Net income | 1,235,000 | 2,537,000 | 4,394,000 | 6,333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 77,209,000 | 77,368,000 | 78,646,000 | 81,508,000 |
| Total capital | 81,803,000 | 81,855,000 | 83,176,000 | 86,141,000 |
| Risk-weighted assets | 669,008,000 | 689,207,000 | 699,072,000 | 699,364,000 |