Call reports 2012
FARMERS AND DROVERS BANK — 2012
What FARMERS AND DROVERS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 215,850,000 | 207,555,000 | 201,490,000 | 201,187,000 |
| Total loans | 70,738,000 | 71,625,000 | 70,251,000 | 73,625,000 |
| Allowance for loan losses | 1,811,000 | 1,803,000 | 1,803,000 | 1,902,000 |
| Securities available for sale | 91,024,000 | 94,650,000 | 101,452,000 | 104,098,000 |
| Securities held to maturity | 51,000 | 50,000 | 48,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,142,000 | 155,063,000 | 145,272,000 | 147,717,000 |
| Interest-bearing deposits | 155,267,000 | 146,750,000 | 137,163,000 | 138,905,000 |
| Noninterest-bearing deposits | 7,875,000 | 8,313,000 | 8,109,000 | 8,812,000 |
| Equity capital | 42,598,000 | 43,153,000 | 43,855,000 | 43,783,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,512,000 | 3,082,000 | 4,604,000 | 6,060,000 |
| Interest expense | 163,000 | 317,000 | 456,000 | 584,000 |
| Net interest income | 1,349,000 | 2,765,000 | 4,148,000 | 5,476,000 |
| Noninterest income | 95,000 | 183,000 | 347,000 | 519,000 |
| Noninterest expense | 711,000 | 1,258,000 | 1,911,000 | 3,120,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 733,000 | 1,690,000 | 2,584,000 | 2,780,000 |
| Income tax | 222,000 | 579,000 | 810,000 | 840,000 |
| Net income | 511,000 | 1,111,000 | 1,774,000 | 1,940,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,919,000 | 41,426,000 | 41,994,000 | 42,068,000 |
| Total capital | 42,205,000 | 42,701,000 | 43,310,000 | 43,457,000 |
| Risk-weighted assets | 93,104,000 | 94,421,000 | 94,515,000 | 100,748,000 |
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