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 | 19,595,000 | 20,096,000 | 19,173,000 | 18,790,000 |
| Total loans | 5,565,000 | 5,750,000 | 6,209,000 | 6,596,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 126,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,722,000 | 5,206,000 | 7,327,000 | 7,323,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,287,000 | 17,715,000 | 16,716,000 | 16,398,000 |
| Interest-bearing deposits | 11,524,000 | 11,501,000 | 11,199,000 | 10,568,000 |
| Noninterest-bearing deposits | 5,763,000 | 6,214,000 | 5,517,000 | 5,830,000 |
| Equity capital | 2,241,000 | 2,292,000 | 2,363,000 | 2,259,000 |
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 | 232,000 | 479,000 | 731,000 | 969,000 |
| Interest expense | 78,000 | 151,000 | 226,000 | 298,000 |
| Net interest income | 154,000 | 328,000 | 505,000 | 671,000 |
| Noninterest income | 20,000 | 30,000 | 40,000 | 52,000 |
| Noninterest expense | 152,000 | 285,000 | 401,000 | 623,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 22,000 | 73,000 | 144,000 | 100,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 22,000 | 73,000 | 144,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,241,000 | 2,292,000 | 2,363,000 | 2,259,000 |