Call reports 2017
FARMERS AND DROVERS BANK — 2017
What FARMERS AND DROVERS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 177,665,000 | 180,717,000 | 175,329,000 | 181,167,000 |
| Total loans | 86,058,000 | 87,458,000 | 84,837,000 | 89,750,000 |
| Allowance for loan losses | 1,736,000 | 1,522,000 | 1,311,000 | 1,327,000 |
| Securities available for sale | 80,012,000 | 76,959,000 | 74,933,000 | 73,325,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,839,000 | 107,397,000 | 108,748,000 | 112,866,000 |
| Interest-bearing deposits | 94,076,000 | 95,211,000 | 95,368,000 | 100,107,000 |
| Noninterest-bearing deposits | 11,763,000 | 12,186,000 | 13,380,000 | 12,759,000 |
| Equity capital | 48,063,000 | 48,619,000 | 46,924,000 | 46,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,464,000 | 3,009,000 | 4,501,000 | 6,026,000 |
| Interest expense | 121,000 | 265,000 | 416,000 | 572,000 |
| Net interest income | 1,343,000 | 2,744,000 | 4,085,000 | 5,454,000 |
| Noninterest income | 153,000 | 253,000 | 400,000 | 579,000 |
| Noninterest expense | 831,000 | 1,707,000 | 2,523,000 | 3,652,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 665,000 | 1,290,000 | 1,913,000 | 2,332,000 |
| Income tax | 215,000 | 405,000 | 585,000 | 540,000 |
| Net income | 450,000 | 885,000 | 1,328,000 | 1,792,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,292,000 | 47,856,000 | 46,268,000 | 46,549,000 |
| Total capital | 48,516,000 | 49,100,000 | 47,475,000 | 47,817,000 |
| Risk-weighted assets | 97,401,000 | 99,249,000 | 96,434,000 | 101,345,000 |