Call reports 2025
FARMERS & MERCHANTS UNION BANK — 2025
What FARMERS & MERCHANTS UNION 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 | 645,894,000 | 651,558,000 | 660,609,000 | 683,303,000 |
| Total loans | 517,013,000 | 523,556,000 | 536,244,000 | 573,941,000 |
| Allowance for loan losses | 11,928,000 | 11,930,000 | 11,930,000 | 11,929,000 |
| Securities available for sale | 76,703,000 | 74,789,000 | 73,837,000 | 71,347,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 556,439,000 | 564,955,000 | 561,882,000 | 582,235,000 |
| Interest-bearing deposits | 445,586,000 | 450,917,000 | 455,516,000 | 470,671,000 |
| Noninterest-bearing deposits | 110,853,000 | 114,038,000 | 106,366,000 | 111,564,000 |
| Equity capital | 74,471,000 | 77,667,000 | 80,804,000 | 84,462,000 |
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 | 8,606,000 | 18,742,000 | 28,582,000 | 38,546,000 |
| Interest expense | 2,962,000 | 6,368,000 | 9,523,000 | 12,367,000 |
| Net interest income | 5,644,000 | 12,374,000 | 19,059,000 | 26,179,000 |
| Noninterest income | 338,000 | 662,000 | 1,052,000 | 1,537,000 |
| Noninterest expense | 3,263,000 | 6,115,000 | 9,424,000 | 13,576,000 |
| Provision for loan losses | 1,606,000 | 1,606,000 | 1,606,000 | 0 |
| Pretax income | 1,113,000 | 5,315,000 | 8,928,000 | 13,987,000 |
| Income tax | 70,000 | 898,000 | 1,438,000 | 2,394,000 |
| Net income | 1,043,000 | 4,417,000 | 7,490,000 | 11,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,739,000 | 75,912,000 | 79,163,000 | 82,850,000 |