Call reports 2009
FARMERS AND DROVERS BANK — 2009
What FARMERS AND DROVERS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 124,869,000 | 126,307,000 | 129,280,000 | 132,929,000 |
| Total loans | 62,332,000 | 62,291,000 | 61,001,000 | 64,377,000 |
| Allowance for loan losses | 1,341,000 | 1,791,000 | 1,649,000 | 1,642,000 |
| Securities available for sale | 59,483,000 | 58,660,000 | 64,587,000 | 62,776,000 |
| Securities held to maturity | 61,000 | 61,000 | 60,000 | 59,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,480,000 | 84,405,000 | 81,730,000 | 85,937,000 |
| Interest-bearing deposits | 75,415,000 | 77,744,000 | 75,058,000 | 79,333,000 |
| Noninterest-bearing deposits | 6,065,000 | 6,661,000 | 6,672,000 | 6,604,000 |
| Equity capital | 36,525,000 | 36,584,000 | 37,929,000 | 38,108,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,578,000 | 3,121,000 | 4,762,000 | 6,386,000 |
| Interest expense | 377,000 | 712,000 | 1,024,000 | 1,304,000 |
| Net interest income | 1,201,000 | 2,409,000 | 3,738,000 | 5,082,000 |
| Noninterest income | 95,000 | 173,000 | 324,000 | 497,000 |
| Noninterest expense | 551,000 | 1,268,000 | 1,919,000 | 2,874,000 |
| Provision for loan losses | 0 | 160,000 | -50,000 | -50,000 |
| Pretax income | 745,000 | 1,154,000 | 2,193,000 | 2,755,000 |
| Income tax | 220,000 | 379,000 | 633,000 | 776,000 |
| Net income | 525,000 | 775,000 | 1,560,000 | 1,979,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,928,000 | 36,149,000 | 36,859,000 | 37,204,000 |
| Total capital | 36,798,000 | 37,041,000 | 37,783,000 | 38,183,000 |
| Risk-weighted assets | 69,156,000 | 69,658,000 | 69,569,000 | 73,593,000 |
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