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 | 168,478,000 | 168,848,000 | 170,339,000 | 174,001,000 |
| Total loans | 114,195,000 | 116,949,000 | 112,783,000 | 119,190,000 |
| Allowance for loan losses | 842,000 | 942,000 | 1,086,000 | 1,213,000 |
| Securities available for sale | 43,056,000 | 42,409,000 | 45,448,000 | 44,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,862,000 | 141,833,000 | 143,769,000 | 146,524,000 |
| Interest-bearing deposits | 116,388,000 | 115,545,000 | 118,227,000 | 120,264,000 |
| Noninterest-bearing deposits | 25,474,000 | 26,288,000 | 25,542,000 | 26,260,000 |
| Equity capital | 14,697,000 | 15,201,000 | 15,890,000 | 16,079,000 |
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 | 2,106,000 | 4,295,000 | 6,539,000 | 8,856,000 |
| Interest expense | 646,000 | 1,279,000 | 1,904,000 | 2,511,000 |
| Net interest income | 1,460,000 | 3,016,000 | 4,635,000 | 6,345,000 |
| Noninterest income | 86,000 | 190,000 | 342,000 | 431,000 |
| Noninterest expense | 1,212,000 | 2,481,000 | 3,706,000 | 5,132,000 |
| Provision for loan losses | 0 | 100,000 | 250,000 | 369,000 |
| Pretax income | 334,000 | 625,000 | 1,021,000 | 1,244,000 |
| Income tax | 55,000 | 102,000 | 167,000 | 199,000 |
| Net income | 279,000 | 523,000 | 854,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,090,000 | 19,235,000 | 19,822,000 | 19,707,000 |
| Total capital | 19,982,000 | 20,228,000 | 20,959,000 | 21,001,000 |
| Risk-weighted assets | 114,136,000 | 116,982,000 | 113,777,000 | 120,146,000 |