Call reports 2015
FARMERS AND DROVERS BANK — 2015
What FARMERS AND DROVERS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 189,598,000 | 184,983,000 | 173,472,000 | 182,370,000 |
| Total loans | 76,669,000 | 78,199,000 | 73,022,000 | 80,429,000 |
| Allowance for loan losses | 1,859,000 | 1,856,000 | 1,855,000 | 1,849,000 |
| Securities available for sale | 101,115,000 | 95,709,000 | 90,694,000 | 84,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,860,000 | 107,201,000 | 107,076,000 | 89,589,000 |
| Interest-bearing deposits | 97,546,000 | 97,350,000 | 95,794,000 | 78,434,000 |
| Noninterest-bearing deposits | 10,314,000 | 9,851,000 | 11,282,000 | 11,155,000 |
| Equity capital | 46,965,000 | 46,853,000 | 47,598,000 | 47,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,522,000 | 2,961,000 | 4,334,000 | 5,822,000 |
| Interest expense | 87,000 | 177,000 | 262,000 | 359,000 |
| Net interest income | 1,435,000 | 2,784,000 | 4,072,000 | 5,463,000 |
| Noninterest income | 74,000 | 170,000 | 320,000 | 493,000 |
| Noninterest expense | 674,000 | 1,361,000 | 1,988,000 | 3,173,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 835,000 | 1,593,000 | 2,404,000 | 2,783,000 |
| Income tax | 260,000 | 504,000 | 757,000 | 848,000 |
| Net income | 575,000 | 1,089,000 | 1,647,000 | 1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,065,000 | 46,444,000 | 46,867,000 | 47,019,000 |
| Total capital | 47,341,000 | 47,709,000 | 48,073,000 | 48,312,000 |
| Risk-weighted assets | 101,643,000 | 100,581,000 | 95,863,000 | 102,920,000 |