Call reports 2025
FARMERS & MERCHANTS BANK & TRUST — 2025
What FARMERS & MERCHANTS BANK & TRUST 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 | 215,176,000 | 212,907,000 | 213,038,000 | 212,732,000 |
| Total loans | 119,253,000 | 123,247,000 | 124,492,000 | 125,963,000 |
| Allowance for loan losses | 1,689,000 | 1,743,000 | 1,820,000 | 1,827,000 |
| Securities available for sale | 73,561,000 | 68,595,000 | 66,224,000 | 65,538,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 192,364,000 | 188,986,000 | 184,947,000 | 180,719,000 |
| Interest-bearing deposits | 165,750,000 | 164,499,000 | 162,633,000 | 157,878,000 |
| Noninterest-bearing deposits | 26,614,000 | 24,487,000 | 22,314,000 | 22,841,000 |
| Equity capital | 14,036,000 | 14,880,000 | 15,941,000 | 16,615,000 |
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 | 1,943,000 | 3,928,000 | 5,977,000 | 8,055,000 |
| Interest expense | 448,000 | 833,000 | 1,268,000 | 1,660,000 |
| Net interest income | 1,495,000 | 3,095,000 | 4,709,000 | 6,395,000 |
| Noninterest income | 879,000 | 1,802,000 | 2,769,000 | 3,748,000 |
| Noninterest expense | 2,014,000 | 4,165,000 | 6,260,000 | 8,330,000 |
| Provision for loan losses | 7,000 | 38,000 | 117,000 | 227,000 |
| Pretax income | 361,000 | 698,000 | 1,105,000 | 1,588,000 |
| Income tax | 72,000 | 140,000 | 224,000 | 326,000 |
| Net income | 289,000 | 558,000 | 881,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,909,000 | 21,040,000 | 21,362,000 | 21,526,000 |
| Total capital | 22,458,000 | 22,623,000 | 22,961,000 | 23,136,000 |
| Risk-weighted assets | 123,740,000 | 126,446,000 | 127,609,000 | 128,497,000 |