Call reports 2025
FARMERS & MERCHANTS BANK — 2025
What FARMERS & 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 | 1,310,592,000 | 1,310,287,000 | 1,356,558,000 | 1,372,297,000 |
| Total loans | 827,642,000 | 851,054,000 | 873,596,000 | 889,444,000 |
| Allowance for loan losses | 7,762,000 | 8,312,000 | 7,848,000 | 7,818,000 |
| Securities available for sale | 321,158,000 | 340,021,000 | 329,423,000 | 345,339,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,205,915,000 | 1,202,566,000 | 1,240,588,000 | 1,250,729,000 |
| Interest-bearing deposits | 928,834,000 | 918,543,000 | 955,022,000 | 966,036,000 |
| Noninterest-bearing deposits | 277,081,000 | 284,023,000 | 285,566,000 | 284,693,000 |
| Equity capital | 92,682,000 | 95,762,000 | 102,552,000 | 107,982,000 |
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 | 16,263,000 | 33,073,000 | 50,087,000 | 67,674,000 |
| Interest expense | 6,706,000 | 12,880,000 | 19,284,000 | 25,638,000 |
| Net interest income | 9,557,000 | 20,193,000 | 30,803,000 | 42,036,000 |
| Noninterest income | 2,489,000 | 4,770,000 | 6,983,000 | 9,380,000 |
| Noninterest expense | 9,192,000 | 17,652,000 | 26,574,000 | 35,661,000 |
| Provision for loan losses | -180,000 | 902,000 | 1,497,000 | 2,584,000 |
| Pretax income | 2,958,000 | 6,228,000 | 9,590,000 | 13,054,000 |
| Income tax | 547,000 | 980,000 | 1,434,000 | 1,801,000 |
| Net income | 2,411,000 | 5,248,000 | 8,156,000 | 11,253,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 113,610,000 | 115,522,000 | 117,503,000 | 121,679,000 |
| Total capital | 122,096,000 | 124,664,000 | 126,125,000 | 130,263,000 |
| Risk-weighted assets | 904,141,000 | 907,799,000 | 920,886,000 | 928,008,000 |