Call reports 2025
FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA — 2025
What FARMERS & MERCHANTS BANK OF CENTRAL CALIFORNIA 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 | 5,683,576,000 | 5,479,564,000 | 5,631,419,000 | 5,692,809,000 |
| Total loans | 3,584,173,000 | 3,623,636,000 | 3,608,346,000 | 3,648,945,000 |
| Allowance for loan losses | 75,423,000 | 76,169,000 | 75,963,000 | 76,375,000 |
| Securities available for sale | 495,122,000 | 572,640,000 | 869,850,000 | 950,843,000 |
| Securities held to maturity | 759,770,000 | 748,861,000 | 734,628,000 | 718,641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,982,174,000 | 4,764,699,000 | 4,911,000,000 | 4,985,370,000 |
| Interest-bearing deposits | 3,215,768,000 | 3,213,774,000 | 3,303,918,000 | 3,335,707,000 |
| Noninterest-bearing deposits | 1,766,406,000 | 1,550,925,000 | 1,607,082,000 | 1,649,663,000 |
| Equity capital | 613,880,000 | 629,770,000 | 632,636,000 | 652,993,000 |
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 | 66,968,000 | 136,843,000 | 207,128,000 | 278,397,000 |
| Interest expense | 13,674,000 | 29,543,000 | 44,393,000 | 59,132,000 |
| Net interest income | 53,294,000 | 107,300,000 | 162,735,000 | 219,265,000 |
| Noninterest income | 5,130,000 | 10,630,000 | 17,623,000 | 23,014,000 |
| Noninterest expense | 24,780,000 | 50,724,000 | 78,912,000 | 106,260,000 |
| Provision for loan losses | 300,000 | 1,590,000 | 2,290,000 | 2,890,000 |
| Pretax income | 33,338,000 | 65,500,000 | 99,036,000 | 132,556,000 |
| Income tax | 9,635,000 | 18,161,000 | 27,345,000 | 36,288,000 |
| Net income | 23,703,000 | 47,339,000 | 71,691,000 | 96,268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 615,577,000 | 628,554,000 | 626,414,000 | 627,683,000 |
| Total capital | 670,796,000 | 684,446,000 | 682,704,000 | 684,082,000 |
| Risk-weighted assets | 4,394,125,000 | 4,447,859,000 | 4,480,260,000 | 4,488,195,000 |