Call reports 2003
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2003
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 519,972,000 | 533,874,000 | 541,600,000 | 540,039,000 |
| Total loans | 326,570,000 | 333,452,000 | 334,862,000 | 346,059,000 |
| Allowance for loan losses | 4,332,000 | 4,480,000 | 4,435,000 | 3,750,000 |
| Securities available for sale | 148,953,000 | 148,935,000 | 146,642,000 | 147,108,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,631,000 | 376,678,000 | 386,688,000 | 373,403,000 |
| Interest-bearing deposits | 350,684,000 | 350,447,000 | 365,256,000 | 351,249,000 |
| Noninterest-bearing deposits | 22,947,000 | 26,231,000 | 21,432,000 | 22,154,000 |
| Equity capital | 39,874,000 | 41,273,000 | 41,808,000 | 42,542,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 6,490,000 | 12,984,000 | 19,248,000 | 25,479,000 |
| Interest expense | 2,437,000 | 4,753,000 | 6,933,000 | 9,058,000 |
| Net interest income | 4,053,000 | 8,231,000 | 12,315,000 | 16,421,000 |
| Noninterest income | 1,711,000 | 3,482,000 | 5,113,000 | 6,686,000 |
| Noninterest expense | 3,640,000 | 7,080,000 | 10,724,000 | 14,379,000 |
| Provision for loan losses | 269,000 | 925,000 | 1,166,000 | 1,695,000 |
| Pretax income | 1,878,000 | 3,761,000 | 5,591,000 | 7,086,000 |
| Income tax | 386,000 | 778,000 | 1,148,000 | 1,408,000 |
| Net income | 1,492,000 | 2,983,000 | 4,443,000 | 5,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,052,000 | 38,832,000 | 40,227,000 | 40,442,000 |
| Total capital | 42,454,000 | 43,378,000 | 44,732,000 | 44,273,000 |
| Risk-weighted assets | 374,966,000 | 376,945,000 | 373,027,000 | 372,316,000 |