Call reports 2016
FARMERS AND DROVERS BANK — 2016
What FARMERS AND DROVERS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 177,449,000 | 173,159,000 | 188,596,000 | 177,797,000 |
| Total loans | 80,510,000 | 82,151,000 | 82,845,000 | 83,171,000 |
| Allowance for loan losses | 1,848,000 | 1,747,000 | 1,744,000 | 1,742,000 |
| Securities available for sale | 79,915,000 | 79,343,000 | 79,164,000 | 80,361,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,017,000 | 88,366,000 | 104,626,000 | 109,030,000 |
| Interest-bearing deposits | 76,635,000 | 77,106,000 | 91,702,000 | 97,157,000 |
| Noninterest-bearing deposits | 10,382,000 | 11,260,000 | 12,924,000 | 11,873,000 |
| Equity capital | 48,160,000 | 48,645,000 | 48,688,000 | 47,471,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,480,000 | 2,894,000 | 4,241,000 | 5,649,000 |
| Interest expense | 112,000 | 227,000 | 344,000 | 462,000 |
| Net interest income | 1,368,000 | 2,667,000 | 3,897,000 | 5,187,000 |
| Noninterest income | 105,000 | 188,000 | 341,000 | 499,000 |
| Noninterest expense | 691,000 | 1,387,000 | 2,259,000 | 3,495,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 782,000 | 1,468,000 | 1,948,000 | 2,164,000 |
| Income tax | 240,000 | 462,000 | 633,000 | 636,000 |
| Net income | 542,000 | 1,006,000 | 1,315,000 | 1,528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,416,000 | 47,734,000 | 47,035,000 | 46,974,000 |
| Total capital | 48,616,000 | 48,937,000 | 48,369,000 | 48,170,000 |
| Risk-weighted assets | 95,312,000 | 95,660,000 | 106,288,000 | 95,113,000 |