Call reports 2025
FARMERS-MERCHANTS BANK & TRUST COMPANY — 2025
What FARMERS-MERCHANTS BANK & TRUST COMPANY 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 | 454,554,000 | 449,083,000 | 449,538,000 | 467,175,000 |
| Total loans | 256,613,000 | 250,834,000 | 251,282,000 | 248,214,000 |
| Allowance for loan losses | 3,654,000 | 3,613,000 | 3,608,000 | 3,425,000 |
| Securities available for sale | 136,989,000 | 132,436,000 | 136,844,000 | 132,445,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 333,889,000 | 327,515,000 | 324,538,000 | 341,758,000 |
| Interest-bearing deposits | 230,583,000 | 224,846,000 | 222,375,000 | 229,619,000 |
| Noninterest-bearing deposits | 103,306,000 | 102,669,000 | 102,163,000 | 112,139,000 |
| Equity capital | 54,653,000 | 56,199,000 | 59,223,000 | 60,567,000 |
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 | 5,837,000 | 11,889,000 | 17,841,000 | 23,880,000 |
| Interest expense | 1,459,000 | 2,856,000 | 4,203,000 | 5,499,000 |
| Net interest income | 4,378,000 | 9,033,000 | 13,638,000 | 18,381,000 |
| Noninterest income | 701,000 | 1,426,000 | 2,196,000 | 2,914,000 |
| Noninterest expense | 2,938,000 | 6,174,000 | 9,427,000 | 12,636,000 |
| Provision for loan losses | 0 | 10,000 | 30,000 | 40,000 |
| Pretax income | 2,142,000 | 4,276,000 | 6,377,000 | 8,621,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,142,000 | 4,276,000 | 6,377,000 | 8,621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,601,000 | 62,487,000 | 63,964,000 | 64,151,000 |