Call reports 2018
FARMERS AND DROVERS BANK — 2018
What FARMERS AND DROVERS BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 177,464,000 | 180,581,000 | 181,553,000 | 183,411,000 |
| Total loans | 89,402,000 | 91,630,000 | 92,796,000 | 95,083,000 |
| Allowance for loan losses | 1,321,000 | 1,323,000 | 1,348,000 | 1,354,000 |
| Securities available for sale | 71,795,000 | 71,189,000 | 68,507,000 | 64,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,931,000 | 110,937,000 | 108,880,000 | 109,503,000 |
| Interest-bearing deposits | 97,880,000 | 98,428,000 | 95,892,000 | 96,160,000 |
| Noninterest-bearing deposits | 12,051,000 | 12,509,000 | 12,988,000 | 13,343,000 |
| Equity capital | 46,520,000 | 46,802,000 | 46,846,000 | 47,456,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,572,000 | 3,160,000 | 4,774,000 | 6,492,000 |
| Interest expense | 170,000 | 376,000 | 601,000 | 897,000 |
| Net interest income | 1,402,000 | 2,784,000 | 4,173,000 | 5,595,000 |
| Noninterest income | 120,000 | 221,000 | 392,000 | 355,000 |
| Noninterest expense | 851,000 | 1,659,000 | 2,558,000 | 3,690,000 |
| Provision for loan losses | 0 | 0 | 25,000 | 50,000 |
| Pretax income | 671,000 | 1,346,000 | 1,982,000 | 2,193,000 |
| Income tax | 142,000 | 278,000 | 408,000 | 429,000 |
| Net income | 529,000 | 1,068,000 | 1,574,000 | 1,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,941,000 | 47,364,000 | 47,755,000 | 47,828,000 |
| Total capital | 48,197,000 | 48,677,000 | 49,065,000 | 49,161,000 |
| Risk-weighted assets | 100,380,000 | 105,067,000 | 104,732,000 | 106,622,000 |