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 | 559,485,000 | 528,113,000 | 528,131,000 | 522,946,000 |
| Total loans | 331,190,000 | 326,885,000 | 343,203,000 | 347,983,000 |
| Allowance for loan losses | 7,320,000 | 7,171,000 | 7,038,000 | 7,932,000 |
| Securities available for sale | 160,419,000 | 144,446,000 | 136,241,000 | 126,912,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 455,228,000 | 451,708,000 | 446,423,000 | 443,946,000 |
| Interest-bearing deposits | 376,826,000 | 373,821,000 | 370,524,000 | 368,612,000 |
| Noninterest-bearing deposits | 78,402,000 | 77,887,000 | 75,899,000 | 75,334,000 |
| Equity capital | 66,394,000 | 68,483,000 | 73,365,000 | 71,639,000 |
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 | 8,060,000 | 16,335,000 | 24,583,000 | 32,869,000 |
| Interest expense | 2,470,000 | 4,874,000 | 7,062,000 | 9,225,000 |
| Net interest income | 5,590,000 | 11,461,000 | 17,521,000 | 23,644,000 |
| Noninterest income | 2,604,000 | 4,760,000 | 6,453,000 | 8,043,000 |
| Noninterest expense | 4,314,000 | 8,595,000 | 12,887,000 | 18,819,000 |
| Provision for loan losses | 0 | 0 | 0 | 1,800,000 |
| Pretax income | 3,880,000 | 7,626,000 | 11,087,000 | 10,772,000 |
| Income tax | 853,000 | 1,735,000 | 2,468,000 | 2,138,000 |
| Net income | 3,027,000 | 5,891,000 | 8,619,000 | 8,634,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 73,555,000 | 76,420,000 | 79,150,000 | 76,551,000 |