Call reports 2025
FARMERS AND DROVERS BANK — 2025
What FARMERS AND DROVERS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 207,954,000 | 209,326,000 | 203,101,000 | 219,659,000 |
| Total loans | 119,670,000 | 119,417,000 | 111,784,000 | 126,567,000 |
| Allowance for loan losses | 1,455,000 | 1,446,000 | 1,448,000 | 1,447,000 |
| Securities available for sale | 76,797,000 | 79,613,000 | 82,912,000 | 82,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,176,000 | 135,842,000 | 135,412,000 | 142,632,000 |
| Interest-bearing deposits | 118,592,000 | 116,308,000 | 114,933,000 | 122,255,000 |
| Noninterest-bearing deposits | 22,584,000 | 19,534,000 | 20,479,000 | 20,377,000 |
| Equity capital | 49,135,000 | 49,765,000 | 51,200,000 | 52,441,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 2,445,000 | 4,965,000 | 7,429,000 | 10,066,000 |
| Interest expense | 780,000 | 1,562,000 | 2,340,000 | 3,143,000 |
| Net interest income | 1,665,000 | 3,403,000 | 5,089,000 | 6,923,000 |
| Noninterest income | 147,000 | 305,000 | 504,000 | 689,000 |
| Noninterest expense | 1,075,000 | 2,163,000 | 3,167,000 | 4,399,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 637,000 | 1,445,000 | 2,326,000 | 3,112,000 |
| Income tax | 135,000 | 313,000 | 510,000 | 262,000 |
| Net income | 502,000 | 1,132,000 | 1,816,000 | 2,850,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,038,000 | 55,494,000 | 55,793,000 | 56,761,000 |