Call reports 2025
FARMERS & MERCHANTS BANK, THE — 2025
What FARMERS & MERCHANTS BANK, THE 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 | 934,785,000 | 952,328,000 | 961,196,000 | 954,125,000 |
| Total loans | 735,910,000 | 740,311,000 | 736,411,000 | 742,796,000 |
| Allowance for loan losses | 7,822,000 | 8,349,000 | 9,369,000 | 10,026,000 |
| Securities available for sale | 108,944,000 | 107,791,000 | 117,302,000 | 118,853,000 |
| Securities held to maturity | 43,772,000 | 43,451,000 | 43,106,000 | 42,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 819,067,000 | 832,304,000 | 836,448,000 | 826,414,000 |
| Interest-bearing deposits | 761,007,000 | 763,848,000 | 773,391,000 | 758,470,000 |
| Noninterest-bearing deposits | 58,060,000 | 68,456,000 | 63,057,000 | 67,944,000 |
| Equity capital | 70,591,000 | 71,399,000 | 76,976,000 | 79,808,000 |
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 | 14,087,000 | 28,506,000 | 42,710,000 | 57,573,000 |
| Interest expense | 6,813,000 | 13,676,000 | 20,761,000 | 27,681,000 |
| Net interest income | 7,274,000 | 14,830,000 | 21,949,000 | 29,892,000 |
| Noninterest income | 560,000 | 1,271,000 | 1,662,000 | 4,595,000 |
| Noninterest expense | 3,412,000 | 7,103,000 | 11,255,000 | 18,413,000 |
| Provision for loan losses | 457,000 | 1,508,000 | 2,537,000 | 3,398,000 |
| Pretax income | 4,015,000 | 7,533,000 | 9,912,000 | 12,603,000 |
| Income tax | 724,000 | 722,000 | 797,000 | 1,158,000 |
| Net income | 3,291,000 | 6,811,000 | 9,115,000 | 11,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 84,367,000 | 87,847,000 | 89,701,000 | 91,238,000 |
| Total capital | 92,593,000 | 96,606,000 | 98,849,000 | 100,515,000 |
| Risk-weighted assets | 729,229,000 | 738,281,000 | 731,320,000 | 740,937,000 |