Call reports 2025
FARMERS AND MERCHANTS BANK OF ASHLAND — 2025
What FARMERS AND MERCHANTS BANK OF ASHLAND 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 | 140,182,000 | 137,700,000 | 144,111,000 | 144,143,000 |
| Total loans | 107,239,000 | 109,729,000 | 115,005,000 | 117,998,000 |
| Allowance for loan losses | 1,082,000 | 1,112,000 | 1,133,000 | 1,182,000 |
| Securities available for sale | 12,397,000 | 14,240,000 | 14,569,000 | 14,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,293,000 | 114,997,000 | 120,972,000 | 120,354,000 |
| Interest-bearing deposits | 90,575,000 | 89,296,000 | 94,233,000 | 92,985,000 |
| Noninterest-bearing deposits | 28,718,000 | 25,701,000 | 26,739,000 | 27,369,000 |
| Equity capital | 11,162,000 | 12,947,000 | 13,494,000 | 13,698,000 |
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 | 1,807,000 | 3,725,000 | 5,692,000 | 7,773,000 |
| Interest expense | 682,000 | 1,378,000 | 2,051,000 | 2,707,000 |
| Net interest income | 1,125,000 | 2,347,000 | 3,641,000 | 5,066,000 |
| Noninterest income | 160,000 | 226,000 | 397,000 | 592,000 |
| Noninterest expense | 810,000 | 1,736,000 | 2,584,000 | 3,531,000 |
| Provision for loan losses | 0 | 30,000 | 50,000 | 100,000 |
| Pretax income | 475,000 | 807,000 | 1,313,000 | 1,936,000 |
| Income tax | 85,000 | 159,000 | 288,000 | 402,000 |
| Net income | 390,000 | 648,000 | 1,025,000 | 1,534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,754,000 | 13,506,000 | 13,883,000 | 14,025,000 |
| Total capital | 12,837,000 | — | — | — |
| Risk-weighted assets | 86,519,000 | — | — | — |