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 | 969,222,000 | 972,518,000 | 956,208,000 | 987,619,000 |
| Total loans | 236,965,000 | 236,197,000 | 232,904,000 | 246,298,000 |
| Allowance for loan losses | 964,000 | 965,000 | 965,000 | 966,000 |
| Securities available for sale | 617,541,000 | 618,531,000 | 620,475,000 | 613,088,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 819,246,000 | 827,423,000 | 796,202,000 | 827,401,000 |
| Interest-bearing deposits | 766,707,000 | 771,753,000 | 742,598,000 | 772,290,000 |
| Noninterest-bearing deposits | 52,539,000 | 55,670,000 | 53,604,000 | 55,111,000 |
| Equity capital | 70,012,000 | 68,446,000 | 78,412,000 | 83,998,000 |
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 | 10,470,000 | 21,175,000 | 31,715,000 | 42,209,000 |
| Interest expense | 5,198,000 | 10,707,000 | 16,352,000 | 21,370,000 |
| Net interest income | 5,272,000 | 10,468,000 | 15,363,000 | 20,839,000 |
| Noninterest income | 342,000 | 1,268,000 | 2,213,000 | 2,614,000 |
| Noninterest expense | 2,896,000 | 6,263,000 | 9,811,000 | 13,731,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,778,000 | 5,639,000 | 8,071,000 | 10,044,000 |
| Income tax | 358,000 | 847,000 | 1,192,000 | 1,426,000 |
| Net income | 2,420,000 | 4,792,000 | 6,879,000 | 8,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,293,000 | 100,666,000 | 102,754,000 | 104,492,000 |
| Total capital | 99,257,000 | 101,631,000 | 103,719,000 | 105,458,000 |
| Risk-weighted assets | 484,635,000 | 454,916,000 | 475,861,000 | 470,844,000 |