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 | 283,744,000 | 289,523,000 | 297,222,000 | 304,556,000 |
| Total loans | 116,385,000 | 122,366,000 | 124,761,000 | 122,112,000 |
| Allowance for loan losses | 1,254,000 | 1,337,000 | 1,408,000 | 1,505,000 |
| Securities available for sale | 129,091,000 | 127,761,000 | 132,647,000 | 136,950,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,926,000 | 263,818,000 | 268,600,000 | 275,572,000 |
| Interest-bearing deposits | 215,803,000 | 218,233,000 | 223,328,000 | 233,682,000 |
| Noninterest-bearing deposits | 43,123,000 | 45,585,000 | 45,272,000 | 41,890,000 |
| Equity capital | 16,497,000 | 17,338,000 | 20,188,000 | 20,809,000 |
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 | 3,342,000 | 6,857,000 | 10,460,000 | 14,115,000 |
| Interest expense | 1,357,000 | 2,729,000 | 4,124,000 | 5,488,000 |
| Net interest income | 1,985,000 | 4,128,000 | 6,336,000 | 8,627,000 |
| Noninterest income | 257,000 | 504,000 | 762,000 | 1,017,000 |
| Noninterest expense | 1,359,000 | 2,673,000 | 4,103,000 | 5,568,000 |
| Provision for loan losses | 75,000 | 165,000 | 255,000 | 335,000 |
| Pretax income | 808,000 | 1,794,000 | 2,740,000 | 3,734,000 |
| Income tax | 156,000 | 345,000 | 522,000 | 730,000 |
| Net income | 652,000 | 1,449,000 | 2,218,000 | 3,004,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,153,000 | 32,950,000 | 33,718,000 | 33,534,000 |
| Total capital | 33,407,000 | 34,287,000 | 35,127,000 | — |
| Risk-weighted assets | 186,271,000 | 195,365,000 | 193,698,000 | — |