Call reports 2019
FARMERS AND DROVERS BANK — 2019
What FARMERS AND DROVERS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 177,666,000 | 180,628,000 | 181,833,000 | 188,806,000 |
| Total loans | 94,786,000 | 96,203,000 | 91,107,000 | 93,652,000 |
| Allowance for loan losses | 1,340,000 | 1,378,000 | 1,558,000 | 1,529,000 |
| Securities available for sale | 65,010,000 | 64,040,000 | 65,762,000 | 67,649,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,187,000 | 106,990,000 | 108,591,000 | 117,500,000 |
| Interest-bearing deposits | 90,782,000 | 88,725,000 | 87,495,000 | 94,658,000 |
| Noninterest-bearing deposits | 14,405,000 | 18,265,000 | 21,096,000 | 22,842,000 |
| Equity capital | 48,267,000 | 49,215,000 | 49,606,000 | 49,935,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,723,000 | 3,448,000 | 5,089,000 | 6,797,000 |
| Interest expense | 274,000 | 566,000 | 871,000 | 1,164,000 |
| Net interest income | 1,449,000 | 2,882,000 | 4,218,000 | 5,633,000 |
| Noninterest income | 110,000 | 221,000 | 380,000 | 534,000 |
| Noninterest expense | 863,000 | 1,711,000 | 2,564,000 | 3,651,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 30,000 |
| Pretax income | 696,000 | 1,362,000 | 2,004,000 | 2,486,000 |
| Income tax | 154,000 | 278,000 | 419,000 | 500,000 |
| Net income | 542,000 | 1,084,000 | 1,585,000 | 1,986,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,250,000 | 48,672,000 | 49,051,000 | 49,333,000 |
| Total capital | 49,573,000 | 49,995,000 | 50,391,000 | 50,638,000 |
| Risk-weighted assets | 105,848,000 | 105,812,000 | 107,009,000 | 104,194,000 |