Call reports 2004
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2004
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 540,586,000 | 554,694,000 | 562,249,000 | 553,071,000 |
| Total loans | 351,712,000 | 357,599,000 | 358,647,000 | 354,755,000 |
| Allowance for loan losses | 4,312,000 | 4,539,000 | 4,673,000 | 4,886,000 |
| Securities available for sale | 145,227,000 | 147,212,000 | 157,148,000 | 159,158,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,053,000 | 391,906,000 | 401,575,000 | 400,951,000 |
| Interest-bearing deposits | 354,955,000 | 366,096,000 | 375,175,000 | 376,611,000 |
| Noninterest-bearing deposits | 24,098,000 | 25,810,000 | 26,400,000 | 24,340,000 |
| Equity capital | 43,935,000 | 42,427,000 | 44,413,000 | 44,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 6,137,000 | 12,376,000 | 18,835,000 | 25,595,000 |
| Interest expense | 2,073,000 | 4,169,000 | 6,428,000 | 8,819,000 |
| Net interest income | 4,064,000 | 8,207,000 | 12,407,000 | 16,776,000 |
| Noninterest income | 1,549,000 | 3,026,000 | 4,623,000 | 6,220,000 |
| Noninterest expense | 3,837,000 | 7,726,000 | 11,639,000 | 15,652,000 |
| Provision for loan losses | 240,000 | 480,000 | 640,000 | 880,000 |
| Pretax income | 1,536,000 | 3,027,000 | 4,758,000 | 6,471,000 |
| Income tax | 280,000 | 533,000 | 712,000 | 1,186,000 |
| Net income | 1,256,000 | 2,494,000 | 4,046,000 | 5,285,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,687,000 | 41,029,000 | 41,849,000 | 42,353,000 |
| Total capital | 45,087,000 | 45,641,000 | 46,600,000 | 47,218,000 |
| Risk-weighted assets | 375,015,000 | 382,396,000 | 384,827,000 | 378,321,000 |