Call reports 2025
MERCHANTS AND FARMERS BANK — 2025
What MERCHANTS AND FARMERS 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 | 261,323,000 | 272,428,000 | 280,581,000 | 270,755,000 |
| Total loans | 207,546,000 | 219,112,000 | 227,203,000 | 221,234,000 |
| Allowance for loan losses | 2,658,000 | 2,880,000 | 2,978,000 | 3,021,000 |
| Securities available for sale | 17,951,000 | 18,209,000 | 18,976,000 | 19,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,769,000 | 231,819,000 | 238,573,000 | 231,189,000 |
| Interest-bearing deposits | 184,974,000 | 195,034,000 | 201,431,000 | 189,396,000 |
| Noninterest-bearing deposits | 36,795,000 | 36,785,000 | 37,142,000 | 41,793,000 |
| Equity capital | 26,946,000 | 27,994,000 | 29,308,000 | 27,749,000 |
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 | 4,310,000 | 8,923,000 | 13,721,000 | 18,556,000 |
| Interest expense | 1,305,000 | 2,734,000 | 4,337,000 | 5,817,000 |
| Net interest income | 3,005,000 | 6,189,000 | 9,384,000 | 12,739,000 |
| Noninterest income | 309,000 | 623,000 | 971,000 | 1,442,000 |
| Noninterest expense | 1,980,000 | 3,934,000 | 6,176,000 | 8,531,000 |
| Provision for loan losses | -280,000 | 4,000 | 141,000 | 451,000 |
| Pretax income | 1,334,000 | 2,756,000 | 3,997,000 | 5,178,000 |
| Income tax | 318,000 | 651,000 | 940,000 | 1,204,000 |
| Net income | 1,016,000 | 2,105,000 | 3,057,000 | 3,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,831,000 | 28,921,000 | 29,873,000 | 28,290,000 |
| Total capital | 30,530,000 | 31,722,000 | 32,764,000 | 31,093,000 |
| Risk-weighted assets | 215,453,000 | 223,641,000 | 230,926,000 | 223,773,000 |