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 | 330,970,000 | 316,309,000 | 304,531,000 | 312,002,000 |
| Total loans | 139,909,000 | 124,532,000 | 119,714,000 | 119,618,000 |
| Allowance for loan losses | 2,009,000 | 2,042,000 | 2,109,000 | 1,974,000 |
| Securities available for sale | 107,557,000 | 106,077,000 | 107,846,000 | 107,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,552,000 | 289,713,000 | 275,663,000 | 281,718,000 |
| Interest-bearing deposits | 201,048,000 | 185,763,000 | 173,563,000 | 186,135,000 |
| Noninterest-bearing deposits | 104,504,000 | 103,950,000 | 102,100,000 | 95,583,000 |
| Equity capital | 23,447,000 | 24,628,000 | 26,793,000 | 27,778,000 |
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 | 3,772,000 | 7,565,000 | 11,080,000 | 14,415,000 |
| Interest expense | 1,851,000 | 3,424,000 | 4,809,000 | 6,083,000 |
| Net interest income | 1,921,000 | 4,141,000 | 6,271,000 | 8,332,000 |
| Noninterest income | 197,000 | 396,000 | 567,000 | 765,000 |
| Noninterest expense | 1,753,000 | 3,201,000 | 4,548,000 | 6,052,000 |
| Provision for loan losses | 260,000 | 305,000 | 350,000 | 214,000 |
| Pretax income | 289,000 | 1,183,000 | 2,061,000 | 2,739,000 |
| Income tax | 50,000 | 199,000 | 529,000 | 716,000 |
| Net income | 239,000 | 984,000 | 1,532,000 | 2,023,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,808,000 | 31,554,000 | 32,101,000 | 32,593,000 |
| Total capital | 33,037,000 | 33,614,000 | 34,118,000 | 34,603,000 |
| Risk-weighted assets | 178,196,000 | 164,444,000 | 160,857,000 | 160,214,000 |