Call reports 2014
FARMERS AND DROVERS BANK — 2014
What FARMERS AND DROVERS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 197,390,000 | 194,726,000 | 191,769,000 | 191,962,000 |
| Total loans | 73,402,000 | 73,875,000 | 69,919,000 | 78,715,000 |
| Allowance for loan losses | 1,875,000 | 1,873,000 | 1,873,000 | 1,860,000 |
| Securities available for sale | 114,813,000 | 113,843,000 | 112,445,000 | 103,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,214,000 | 139,081,000 | 132,856,000 | 135,818,000 |
| Interest-bearing deposits | 134,298,000 | 130,597,000 | 122,722,000 | 125,118,000 |
| Noninterest-bearing deposits | 8,916,000 | 8,484,000 | 10,134,000 | 10,700,000 |
| Equity capital | 44,450,000 | 45,326,000 | 45,779,000 | 46,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,648,000 | 3,235,000 | 4,731,000 | 6,265,000 |
| Interest expense | 95,000 | 191,000 | 292,000 | 387,000 |
| Net interest income | 1,553,000 | 3,044,000 | 4,439,000 | 5,878,000 |
| Noninterest income | 96,000 | 200,000 | 352,000 | 523,000 |
| Noninterest expense | 651,000 | 1,302,000 | 1,934,000 | 3,118,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 998,000 | 1,942,000 | 2,857,000 | 3,302,000 |
| Income tax | 314,000 | 622,000 | 913,000 | 1,019,000 |
| Net income | 684,000 | 1,320,000 | 1,944,000 | 2,283,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,401,000 | 44,912,000 | 45,411,000 | 45,625,000 |
| Total capital | 45,688,000 | 46,194,000 | 46,641,000 | 46,932,000 |
| Risk-weighted assets | 102,370,000 | 101,994,000 | 97,736,000 | 104,026,000 |
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