Call reports 2023
FARMERS AND DROVERS BANK — 2023
What FARMERS AND DROVERS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 209,515,000 | 209,509,000 | 194,374,000 | 206,491,000 |
| Total loans | 111,640,000 | 114,038,000 | 103,797,000 | 116,742,000 |
| Allowance for loan losses | 1,424,000 | 1,418,000 | 1,418,000 | 1,429,000 |
| Securities available for sale | 80,495,000 | 78,101,000 | 75,092,000 | 74,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,949,000 | 128,551,000 | 132,107,000 | 135,078,000 |
| Interest-bearing deposits | 110,601,000 | 106,680,000 | 107,765,000 | 114,321,000 |
| Noninterest-bearing deposits | 24,348,000 | 21,871,000 | 24,342,000 | 20,757,000 |
| Equity capital | 45,937,000 | 45,273,000 | 44,027,000 | 47,015,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,965,000 | 4,078,000 | 6,133,000 | 8,280,000 |
| Interest expense | 494,000 | 1,242,000 | 1,944,000 | 2,709,000 |
| Net interest income | 1,471,000 | 2,836,000 | 4,189,000 | 5,571,000 |
| Noninterest income | 155,000 | 275,000 | 465,000 | 650,000 |
| Noninterest expense | 960,000 | 1,909,000 | 2,884,000 | 3,916,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 666,000 | 1,202,000 | 1,770,000 | 1,314,000 |
| Income tax | 146,000 | 270,000 | 395,000 | 215,000 |
| Net income | 520,000 | 932,000 | 1,375,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,920,000 | 54,164,000 | 54,437,000 | 53,991,000 |