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 | 23,639,000 | 22,335,000 | 24,243,000 | 22,764,000 |
| Total loans | 12,884,000 | 12,919,000 | 11,602,000 | 11,797,000 |
| Allowance for loan losses | 410,000 | 396,000 | 402,000 | 403,000 |
| Securities available for sale | 4,038,000 | 4,045,000 | 5,620,000 | 5,236,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,587,000 | 20,085,000 | 22,028,000 | 20,424,000 |
| Interest-bearing deposits | 12,137,000 | 12,527,000 | 12,325,000 | 13,162,000 |
| Noninterest-bearing deposits | 9,450,000 | 7,558,000 | 9,703,000 | 7,262,000 |
| Equity capital | 2,043,000 | 2,093,000 | 2,207,000 | 2,328,000 |
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 | 382,000 | 728,000 | 1,091,000 | 1,437,000 |
| Interest expense | 23,000 | 49,000 | 77,000 | 110,000 |
| Net interest income | 359,000 | 679,000 | 1,014,000 | 1,327,000 |
| Noninterest income | 45,000 | 66,000 | 83,000 | 101,000 |
| Noninterest expense | 271,000 | 493,000 | 730,000 | 957,000 |
| Provision for loan losses | 7,000 | 189,000 | 195,000 | 179,000 |
| Pretax income | 126,000 | 63,000 | 172,000 | 292,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 126,000 | 63,000 | 172,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,047,000 | 2,097,000 | 2,206,000 | 2,326,000 |
| Total capital | 2,222,000 | 2,277,000 | — | — |
| Risk-weighted assets | 13,774,000 | 14,199,000 | — | — |