Call reports 2008
FARMERS AND DROVERS BANK — 2008
What FARMERS AND DROVERS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 115,189,000 | 113,179,000 | 113,772,000 | 126,906,000 |
| Total loans | 64,737,000 | 65,022,000 | 61,278,000 | 63,762,000 |
| Allowance for loan losses | 965,000 | 970,000 | 978,000 | 1,350,000 |
| Securities available for sale | 39,814,000 | 43,362,000 | 45,802,000 | 56,422,000 |
| Securities held to maturity | 64,000 | 64,000 | 63,000 | 467,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,379,000 | 72,355,000 | 72,386,000 | 83,937,000 |
| Interest-bearing deposits | 67,503,000 | 64,794,000 | 65,667,000 | 76,595,000 |
| Noninterest-bearing deposits | 6,876,000 | 7,561,000 | 6,719,000 | 7,342,000 |
| Equity capital | 35,034,000 | 35,132,000 | 35,752,000 | 36,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,656,000 | 3,277,000 | 4,901,000 | 6,538,000 |
| Interest expense | 568,000 | 1,041,000 | 1,477,000 | 1,884,000 |
| Net interest income | 1,088,000 | 2,236,000 | 3,424,000 | 4,654,000 |
| Noninterest income | 107,000 | 200,000 | 314,000 | 473,000 |
| Noninterest expense | 585,000 | 1,101,000 | 1,581,000 | 2,338,000 |
| Provision for loan losses | 0 | 0 | 0 | 375,000 |
| Pretax income | 610,000 | 1,335,000 | 2,156,000 | 2,293,000 |
| Income tax | 34,000 | 159,000 | 419,000 | 563,000 |
| Net income | 576,000 | 1,176,000 | 1,737,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,568,000 | 35,093,000 | 35,538,000 | 35,487,000 |
| Total capital | 35,468,000 | 36,018,000 | 36,416,000 | 36,374,000 |
| Risk-weighted assets | 71,952,000 | 73,985,000 | 70,106,000 | 70,515,000 |
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