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 | 93,718,000 | 95,969,000 | 98,756,000 | 100,066,000 |
| Total loans | 5,524,000 | 5,348,000 | 5,739,000 | 5,393,000 |
| Allowance for loan losses | 191,000 | 180,000 | 181,000 | 188,000 |
| Securities available for sale | 75,709,000 | 74,732,000 | 80,604,000 | 80,499,000 |
| Securities held to maturity | 612,000 | 612,000 | 612,000 | 612,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,804,000 | 85,438,000 | 87,036,000 | 88,057,000 |
| Interest-bearing deposits | 65,785,000 | 67,388,000 | 67,645,000 | 63,337,000 |
| Noninterest-bearing deposits | 18,019,000 | 18,050,000 | 19,391,000 | 24,720,000 |
| Equity capital | 9,459,000 | 10,014,000 | 11,237,000 | 11,491,000 |
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 | 789,000 | 1,572,000 | 2,407,000 | 3,245,000 |
| Interest expense | 479,000 | 961,000 | 1,462,000 | 1,953,000 |
| Net interest income | 310,000 | 611,000 | 945,000 | 1,292,000 |
| Noninterest income | 33,000 | 87,000 | 115,000 | 173,000 |
| Noninterest expense | 229,000 | 451,000 | 684,000 | 1,298,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 114,000 | 242,000 | 371,000 | 162,000 |
| Income tax | 21,000 | 36,000 | 51,000 | 6,000 |
| Net income | 93,000 | 206,000 | 320,000 | 156,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,788,000 | 17,900,000 | 18,013,000 | 17,788,000 |
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