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 | 178,357,000 | 187,845,000 | 195,830,000 | 205,067,000 |
| Total loans | 147,722,000 | 151,991,000 | 169,698,000 | 180,989,000 |
| Allowance for loan losses | 1,559,000 | 1,634,000 | 1,708,000 | 1,784,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,367,000 | 139,516,000 | 146,387,000 | 155,103,000 |
| Interest-bearing deposits | 124,196,000 | 127,685,000 | 132,393,000 | 139,539,000 |
| Noninterest-bearing deposits | 10,171,000 | 11,831,000 | 13,994,000 | 15,564,000 |
| Equity capital | 22,331,000 | 21,715,000 | 22,600,000 | 23,488,000 |
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 | 2,707,000 | 5,519,000 | 8,604,000 | 11,775,000 |
| Interest expense | 1,281,000 | 2,613,000 | 4,033,000 | 5,487,000 |
| Net interest income | 1,426,000 | 2,906,000 | 4,571,000 | 6,288,000 |
| Noninterest income | 22,000 | 43,000 | 61,000 | 79,000 |
| Noninterest expense | 705,000 | 1,460,000 | 2,170,000 | 2,940,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 665,000 | 1,339,000 | 2,228,000 | 3,120,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 16,000 |
| Net income | 661,000 | 1,331,000 | 2,216,000 | 3,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,971,000 | 21,399,000 | 22,324,000 | 23,252,000 |
| Total capital | 23,530,000 | 23,033,000 | 24,033,000 | 25,036,000 |
| Risk-weighted assets | 138,748,000 | 143,731,000 | 161,266,000 | 173,087,000 |