Call reports 2025
FARMERS AND MERCHANTS BANK OF SOUTH CAROLINA — 2025
What FARMERS AND MERCHANTS BANK OF SOUTH CAROLINA 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 | 416,467,000 | 410,476,000 | 390,234,000 | 495,356,000 |
| Total loans | 122,536,000 | 124,367,000 | 127,357,000 | 124,441,000 |
| Allowance for loan losses | 1,273,000 | 1,263,000 | 1,292,000 | 1,292,000 |
| Securities available for sale | 181,644,000 | 183,321,000 | 184,115,000 | 183,850,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,622,000 | 355,478,000 | 330,913,000 | 435,279,000 |
| Interest-bearing deposits | 262,659,000 | 244,107,000 | 222,648,000 | 325,884,000 |
| Noninterest-bearing deposits | 100,963,000 | 111,371,000 | 108,265,000 | 109,395,000 |
| Equity capital | 51,700,000 | 53,707,000 | 57,861,000 | 59,071,000 |
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 | 4,884,000 | 9,266,000 | 13,368,000 | 17,653,000 |
| Interest expense | 278,000 | 557,000 | 839,000 | 1,134,000 |
| Net interest income | 4,606,000 | 8,709,000 | 12,529,000 | 16,519,000 |
| Noninterest income | 519,000 | 1,052,000 | 1,602,000 | 2,162,000 |
| Noninterest expense | 2,445,000 | 4,930,000 | 7,516,000 | 10,109,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 2,686,000 | 4,858,000 | 6,586,000 | 8,542,000 |
| Income tax | 606,000 | 1,092,000 | 1,470,000 | 1,895,000 |
| Net income | 2,080,000 | 3,766,000 | 5,116,000 | 6,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,804,000 | 67,115,000 | 68,465,000 | 68,996,000 |
| Total capital | 67,151,000 | 68,431,000 | 69,816,000 | 70,348,000 |
| Risk-weighted assets | 172,660,000 | 171,211,000 | 173,160,000 | 170,737,000 |