Call reports 2020
FARMERS AND DROVERS BANK — 2020
What FARMERS AND DROVERS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 186,057,000 | 204,344,000 | 203,065,000 | 199,094,000 |
| Total loans | 95,145,000 | 101,550,000 | 98,743,000 | 101,144,000 |
| Allowance for loan losses | 1,553,000 | 1,537,000 | 1,566,000 | 1,492,000 |
| Securities available for sale | 66,791,000 | 72,781,000 | 73,264,000 | 71,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,233,000 | 127,971,000 | 125,976,000 | 130,422,000 |
| Interest-bearing deposits | 92,272,000 | 103,081,000 | 102,203,000 | 106,901,000 |
| Noninterest-bearing deposits | 19,961,000 | 24,890,000 | 23,773,000 | 23,521,000 |
| Equity capital | 50,170,000 | 51,683,000 | 51,965,000 | 52,167,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,706,000 | 3,422,000 | 4,996,000 | 6,632,000 |
| Interest expense | 290,000 | 543,000 | 778,000 | 1,000,000 |
| Net interest income | 1,416,000 | 2,879,000 | 4,218,000 | 5,632,000 |
| Noninterest income | 128,000 | 226,000 | 400,000 | 515,000 |
| Noninterest expense | 907,000 | 1,784,000 | 2,767,000 | 3,724,000 |
| Provision for loan losses | 25,000 | 25,000 | 60,000 | 60,000 |
| Pretax income | 612,000 | 1,296,000 | 1,791,000 | 2,363,000 |
| Income tax | 127,000 | 275,000 | 380,000 | 497,000 |
| Net income | 485,000 | 1,021,000 | 1,411,000 | 1,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,693,000 | 50,059,000 | 50,333,000 | 50,672,000 |