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 | 183,534,000 | 243,906,000 | 246,924,000 | 245,033,000 |
| Total loans | 99,116,000 | 127,350,000 | 135,491,000 | 139,715,000 |
| Allowance for loan losses | 1,616,000 | 1,918,000 | 1,923,000 | 1,956,000 |
| Securities available for sale | 41,942,000 | 66,765,000 | 67,877,000 | 66,366,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,217,000 | 211,431,000 | 211,657,000 | 209,613,000 |
| Interest-bearing deposits | 90,595,000 | 126,917,000 | 130,522,000 | 129,042,000 |
| Noninterest-bearing deposits | 65,622,000 | 84,514,000 | 81,135,000 | 80,571,000 |
| Equity capital | 26,190,000 | 29,773,000 | 32,370,000 | 32,544,000 |
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 | 2,239,000 | 5,410,000 | 8,665,000 | 12,003,000 |
| Interest expense | 398,000 | 1,045,000 | 1,706,000 | 2,382,000 |
| Net interest income | 1,841,000 | 4,365,000 | 6,959,000 | 9,621,000 |
| Noninterest income | 167,000 | 419,000 | 716,000 | 996,000 |
| Noninterest expense | 1,243,000 | 2,873,000 | 4,484,000 | 6,300,000 |
| Provision for loan losses | -41,000 | -21,000 | -32,000 | 13,000 |
| Pretax income | 720,000 | 1,821,000 | 3,055,000 | 4,137,000 |
| Income tax | 150,000 | 362,000 | 272,000 | 470,000 |
| Net income | 570,000 | 1,459,000 | 2,783,000 | 3,667,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,435,000 | 27,947,000 | 29,321,000 | 30,828,000 |
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