Call reports 2010
FARMERS AND DROVERS BANK — 2010
What FARMERS AND DROVERS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 134,316,000 | 132,340,000 | 135,285,000 | 140,366,000 |
| Total loans | 66,979,000 | 69,179,000 | 63,550,000 | 66,708,000 |
| Allowance for loan losses | 1,488,000 | 1,640,000 | 1,582,000 | 1,683,000 |
| Securities available for sale | 59,849,000 | 58,379,000 | 60,333,000 | 60,611,000 |
| Securities held to maturity | 58,000 | 58,000 | 56,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,674,000 | 84,253,000 | 83,451,000 | 94,370,000 |
| Interest-bearing deposits | 80,118,000 | 77,594,000 | 76,080,000 | 87,126,000 |
| Noninterest-bearing deposits | 6,556,000 | 6,659,000 | 7,371,000 | 7,244,000 |
| Equity capital | 38,850,000 | 39,450,000 | 40,320,000 | 39,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,542,000 | 3,107,000 | 4,619,000 | 6,101,000 |
| Interest expense | 246,000 | 471,000 | 686,000 | 880,000 |
| Net interest income | 1,296,000 | 2,636,000 | 3,933,000 | 5,221,000 |
| Noninterest income | 112,000 | 204,000 | 331,000 | 476,000 |
| Noninterest expense | 637,000 | 1,173,000 | 1,755,000 | 2,787,000 |
| Provision for loan losses | -150,000 | 0 | 0 | 100,000 |
| Pretax income | 921,000 | 1,668,000 | 2,510,000 | 2,812,000 |
| Income tax | 230,000 | 523,000 | 763,000 | 872,000 |
| Net income | 691,000 | 1,145,000 | 1,747,000 | 1,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,814,000 | 38,188,000 | 38,708,000 | 38,821,000 |
| Total capital | 38,835,000 | 39,235,000 | 39,712,000 | 39,927,000 |
| Risk-weighted assets | 76,044,000 | 78,760,000 | 74,654,000 | 80,687,000 |
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