Call reports 2002
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2002
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 509,636,000 | 527,548,000 | 537,232,000 | 523,732,000 |
| Total loans | 316,814,000 | 313,549,000 | 314,513,000 | 322,361,000 |
| Allowance for loan losses | 4,107,000 | 4,341,000 | 4,338,000 | 4,305,000 |
| Securities available for sale | 149,392,000 | 151,817,000 | 160,199,000 | 156,328,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,893,000 | 366,268,000 | 381,006,000 | 372,690,000 |
| Interest-bearing deposits | 341,640,000 | 344,709,000 | 352,798,000 | 351,432,000 |
| Noninterest-bearing deposits | 20,253,000 | 21,559,000 | 28,208,000 | 21,258,000 |
| Equity capital | 39,663,000 | 40,245,000 | 41,078,000 | 38,656,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 6,912,000 | 13,897,000 | 20,975,000 | 27,860,000 |
| Interest expense | 3,031,000 | 6,084,000 | 9,059,000 | 11,802,000 |
| Net interest income | 3,881,000 | 7,813,000 | 11,916,000 | 16,058,000 |
| Noninterest income | 1,333,000 | 2,664,000 | 3,660,000 | 5,158,000 |
| Noninterest expense | 3,286,000 | 6,521,000 | 9,920,000 | 13,331,000 |
| Provision for loan losses | 335,000 | 700,000 | 895,000 | 1,190,000 |
| Pretax income | 1,636,000 | 3,299,000 | 4,804,000 | 6,738,000 |
| Income tax | 269,000 | 597,000 | 890,000 | 1,268,000 |
| Net income | 1,367,000 | 2,702,000 | 3,914,000 | 5,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,261,000 | 38,248,000 | 38,963,000 | 37,263,000 |
| Total capital | 42,460,000 | 42,681,000 | 43,375,000 | 41,650,000 |
| Risk-weighted assets | 377,780,000 | 380,480,000 | 382,932,000 | 377,634,000 |