Call reports 2025
FARMERS & MERCHANTS BANK OF NORTH DAKOTA — 2025
What FARMERS & MERCHANTS BANK OF NORTH DAKOTA 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 | 118,434,000 | 117,063,000 | 114,209,000 | 118,925,000 |
| Total loans | 51,385,000 | 52,233,000 | 56,356,000 | 54,099,000 |
| Allowance for loan losses | 461,000 | 465,000 | 469,000 | 474,000 |
| Securities available for sale | 29,170,000 | 28,752,000 | 28,025,000 | 29,222,000 |
| Securities held to maturity | 6,240,000 | 6,073,000 | 6,052,000 | 5,796,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,395,000 | 105,074,000 | 101,745,000 | 105,904,000 |
| Interest-bearing deposits | 80,329,000 | 79,311,000 | 78,143,000 | 80,542,000 |
| Noninterest-bearing deposits | 27,066,000 | 25,763,000 | 23,602,000 | 25,362,000 |
| Equity capital | 10,691,000 | 11,560,000 | 12,060,000 | 12,697,000 |
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 | 1,234,000 | 2,625,000 | 3,957,000 | 5,317,000 |
| Interest expense | 403,000 | 823,000 | 1,254,000 | 1,687,000 |
| Net interest income | 831,000 | 1,802,000 | 2,703,000 | 3,630,000 |
| Noninterest income | 132,000 | 194,000 | 187,000 | 242,000 |
| Noninterest expense | 766,000 | 1,474,000 | 2,085,000 | 2,793,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 186,000 | 504,000 | 768,000 | 1,036,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 186,000 | 504,000 | 768,000 | 1,036,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,980,000 | 13,297,000 | 13,561,000 | 13,830,000 |
| Total capital | 13,441,000 | 13,762,000 | 14,030,000 | 14,304,000 |
| Risk-weighted assets | 73,822,000 | 72,823,000 | 70,902,000 | 73,414,000 |