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 | 77,923,000 | 76,282,000 | 78,105,000 | 79,769,000 |
| Total loans | 24,098,000 | 25,257,000 | 25,330,000 | 26,032,000 |
| Allowance for loan losses | 498,000 | 509,000 | 514,000 | 496,000 |
| Securities available for sale | 31,260,000 | 32,487,000 | 32,615,000 | 33,853,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,429,000 | 66,549,000 | 67,914,000 | 69,475,000 |
| Interest-bearing deposits | 52,627,000 | 51,279,000 | 52,437,000 | 52,805,000 |
| Noninterest-bearing deposits | 15,802,000 | 15,270,000 | 15,477,000 | 16,670,000 |
| Equity capital | 9,082,000 | 9,250,000 | 9,793,000 | 9,960,000 |
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 | 907,000 | 1,834,000 | 2,780,000 | 3,707,000 |
| Interest expense | 312,000 | 621,000 | 938,000 | 1,245,000 |
| Net interest income | 595,000 | 1,213,000 | 1,842,000 | 2,462,000 |
| Noninterest income | 45,000 | 91,000 | 135,000 | 186,000 |
| Noninterest expense | 315,000 | 659,000 | 972,000 | 1,339,000 |
| Provision for loan losses | 15,000 | 30,000 | 55,000 | 80,000 |
| Pretax income | 310,000 | 608,000 | 943,000 | 1,222,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 310,000 | 608,000 | 943,000 | 1,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,791,000 | 9,959,000 | 10,154,000 | 10,273,000 |