Call reports 2013
FARMERS AND DROVERS BANK — 2013
What FARMERS AND DROVERS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 198,232,000 | 194,346,000 | 196,390,000 | 200,668,000 |
| Total loans | 72,132,000 | 72,516,000 | 68,687,000 | 72,995,000 |
| Allowance for loan losses | 1,880,000 | 1,817,000 | 1,776,000 | 1,876,000 |
| Securities available for sale | 106,577,000 | 105,685,000 | 111,887,000 | 113,352,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,950,000 | 140,445,000 | 140,294,000 | 144,657,000 |
| Interest-bearing deposits | 135,250,000 | 132,063,000 | 130,409,000 | 135,379,000 |
| Noninterest-bearing deposits | 8,700,000 | 8,382,000 | 9,885,000 | 9,278,000 |
| Equity capital | 44,115,000 | 43,558,000 | 43,846,000 | 43,662,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,454,000 | 2,934,000 | 4,435,000 | 6,046,000 |
| Interest expense | 117,000 | 224,000 | 326,000 | 425,000 |
| Net interest income | 1,337,000 | 2,710,000 | 4,109,000 | 5,621,000 |
| Noninterest income | 94,000 | 177,000 | 306,000 | 484,000 |
| Noninterest expense | 725,000 | 1,350,000 | 2,022,000 | 3,271,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 707,000 | 1,539,000 | 2,788,000 | 3,129,000 |
| Income tax | 198,000 | 469,000 | 863,000 | 919,000 |
| Net income | 509,000 | 1,070,000 | 1,925,000 | 2,210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,467,000 | 42,919,000 | 43,665,000 | 43,841,000 |
| Total capital | 43,878,000 | 44,339,000 | 44,892,000 | 45,135,000 |
| Risk-weighted assets | 100,409,000 | 101,900,000 | 97,585,000 | 102,942,000 |
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