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 | 279,432,000 | 295,939,000 | 299,562,000 | 304,625,000 |
| Total loans | 169,484,000 | 174,525,000 | 179,020,000 | 187,272,000 |
| Allowance for loan losses | 1,080,000 | 1,171,000 | 1,221,000 | 1,268,000 |
| Securities available for sale | 60,832,000 | 60,414,000 | 59,246,000 | 58,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,705,000 | 273,569,000 | 275,363,000 | 280,033,000 |
| Interest-bearing deposits | 212,061,000 | 229,324,000 | 229,051,000 | 231,796,000 |
| Noninterest-bearing deposits | 45,644,000 | 44,245,000 | 46,312,000 | 48,237,000 |
| Equity capital | 20,007,000 | 20,636,000 | 22,241,000 | 23,012,000 |
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 | 2,889,000 | 6,178,000 | 9,743,000 | 13,352,000 |
| Interest expense | 1,085,000 | 2,389,000 | 3,797,000 | 5,096,000 |
| Net interest income | 1,804,000 | 3,789,000 | 5,946,000 | 8,256,000 |
| Noninterest income | 235,000 | 472,000 | 726,000 | 991,000 |
| Noninterest expense | 1,245,000 | 2,550,000 | 3,965,000 | 5,439,000 |
| Provision for loan losses | 49,000 | 143,000 | 203,000 | 264,000 |
| Pretax income | 734,000 | 1,557,000 | 2,493,000 | 3,533,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 734,000 | 1,557,000 | 2,493,000 | 3,533,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,056,000 | 25,208,000 | 25,750,000 | 26,374,000 |
| Total capital | — | — | — | 27,736,000 |
| Risk-weighted assets | — | — | — | 233,364,000 |