Call reports 2005
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2005
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 563,795,000 | 579,667,000 | 599,175,000 | 611,897,000 |
| Total loans | 357,099,000 | 378,453,000 | 395,072,000 | 398,518,000 |
| Allowance for loan losses | 4,937,000 | 5,255,000 | 5,381,000 | 5,402,000 |
| Securities available for sale | 157,430,000 | 160,402,000 | 161,662,000 | 160,525,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 423,593,000 | 422,215,000 | 436,897,000 | 458,169,000 |
| Interest-bearing deposits | 396,583,000 | 392,587,000 | 411,778,000 | 427,078,000 |
| Noninterest-bearing deposits | 27,010,000 | 29,628,000 | 25,119,000 | 31,091,000 |
| Equity capital | 44,570,000 | 44,921,000 | 45,414,000 | 45,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,747,000 | 14,173,000 | 22,104,000 | 30,547,000 |
| Interest expense | 2,518,000 | 5,299,000 | 8,535,000 | 12,173,000 |
| Net interest income | 4,229,000 | 8,874,000 | 13,569,000 | 18,374,000 |
| Noninterest income | 1,371,000 | 2,741,000 | 4,493,000 | 6,272,000 |
| Noninterest expense | 4,176,000 | 8,197,000 | 12,385,000 | 16,721,000 |
| Provision for loan losses | 106,000 | 186,000 | 306,000 | 426,000 |
| Pretax income | 1,359,000 | 3,273,000 | 5,417,000 | 7,545,000 |
| Income tax | -209,000 | 251,000 | 546,000 | 1,218,000 |
| Net income | 1,568,000 | 3,022,000 | 4,871,000 | 6,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,997,000 | 43,229,000 | 43,813,000 | 44,282,000 |
| Total capital | 47,863,000 | 48,387,000 | 49,109,000 | 49,600,000 |
| Risk-weighted assets | 383,565,000 | 405,721,000 | 419,797,000 | 423,666,000 |