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 | 168,881,000 | 168,836,000 | 159,787,000 | 172,793,000 |
| Total loans | 57,916,000 | 58,619,000 | 63,195,000 | 65,535,000 |
| Allowance for loan losses | 968,000 | 984,000 | 999,000 | 1,084,000 |
| Securities available for sale | 70,071,000 | 70,958,000 | 70,805,000 | 71,824,000 |
| Securities held to maturity | 1,000,000 | 1,000,000 | 1,300,000 | 1,300,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,963,000 | 146,467,000 | 136,778,000 | 148,546,000 |
| Interest-bearing deposits | 105,850,000 | 107,795,000 | 99,197,000 | 109,990,000 |
| Noninterest-bearing deposits | 41,113,000 | 38,672,000 | 37,581,000 | 38,556,000 |
| Equity capital | 21,054,000 | 21,725,000 | 22,259,000 | 23,294,000 |
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 | 2,065,000 | 4,155,000 | 6,202,000 | 8,266,000 |
| Interest expense | 374,000 | 740,000 | 1,091,000 | 1,450,000 |
| Net interest income | 1,691,000 | 3,415,000 | 5,111,000 | 6,816,000 |
| Noninterest income | 191,000 | 390,000 | 592,000 | 784,000 |
| Noninterest expense | 810,000 | 1,555,000 | 2,287,000 | 3,015,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 130,000 |
| Pretax income | 1,057,000 | 2,220,000 | 3,340,000 | 4,403,000 |
| Income tax | 245,000 | 488,000 | 713,000 | 988,000 |
| Net income | 812,000 | 1,732,000 | 2,627,000 | 3,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,690,000 | 25,610,000 | 24,901,000 | 25,690,000 |