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 | 311,463,000 | 314,657,000 | 310,371,000 | 310,552,000 |
| Total loans | 144,058,000 | 141,767,000 | 139,215,000 | 142,432,000 |
| Allowance for loan losses | 2,007,000 | 2,006,000 | 2,010,000 | 2,028,000 |
| Securities available for sale | 116,383,000 | 120,652,000 | 131,728,000 | 135,067,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,252,000 | 284,142,000 | 276,968,000 | 276,603,000 |
| Interest-bearing deposits | 198,538,000 | 199,688,000 | 199,588,000 | 195,420,000 |
| Noninterest-bearing deposits | 82,714,000 | 84,454,000 | 77,380,000 | 81,183,000 |
| Equity capital | 28,105,000 | 28,282,000 | 31,055,000 | 31,885,000 |
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 | 3,475,000 | 7,055,000 | 10,707,000 | 14,296,000 |
| Interest expense | 742,000 | 1,506,000 | 2,261,000 | 2,958,000 |
| Net interest income | 2,733,000 | 5,549,000 | 8,446,000 | 11,338,000 |
| Noninterest income | 372,000 | 739,000 | 1,094,000 | 1,521,000 |
| Noninterest expense | 2,390,000 | 4,819,000 | 7,423,000 | 9,930,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 715,000 | 1,469,000 | 2,117,000 | 2,929,000 |
| Income tax | 114,000 | 290,000 | 473,000 | 789,000 |
| Net income | 601,000 | 1,179,000 | 1,644,000 | 2,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,275,000 | 37,653,000 | 37,919,000 | 38,214,000 |
| Total capital | 39,282,000 | 39,659,000 | 39,929,000 | 40,242,000 |
| Risk-weighted assets | 209,346,000 | 220,513,000 | 219,451,000 | 219,269,000 |