Call reports 2006
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2006
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 620,311,000 | 652,325,000 | 776,652,000 | 789,125,000 |
| Total loans | 409,582,000 | 436,887,000 | 517,775,000 | 531,095,000 |
| Allowance for loan losses | 5,520,000 | 5,568,000 | 6,940,000 | 6,850,000 |
| Securities available for sale | 155,113,000 | 165,375,000 | 179,648,000 | 185,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 473,298,000 | 490,411,000 | 597,717,000 | 596,323,000 |
| Interest-bearing deposits | 443,158,000 | 459,445,000 | 565,187,000 | 562,465,000 |
| Noninterest-bearing deposits | 30,140,000 | 30,966,000 | 32,530,000 | 33,858,000 |
| Equity capital | 45,742,000 | 45,565,000 | 59,518,000 | 60,233,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 8,651,000 | 18,133,000 | 29,987,000 | 42,058,000 |
| Interest expense | 3,833,000 | 8,211,000 | 13,935,000 | 19,957,000 |
| Net interest income | 4,818,000 | 9,922,000 | 16,052,000 | 22,101,000 |
| Noninterest income | 1,646,000 | 3,454,000 | 5,247,000 | 7,295,000 |
| Noninterest expense | 4,372,000 | 8,508,000 | 13,600,000 | 18,838,000 |
| Provision for loan losses | 180,000 | 240,000 | 240,000 | 240,000 |
| Pretax income | 1,912,000 | 4,628,000 | 7,459,000 | 10,318,000 |
| Income tax | 334,000 | 1,072,000 | 1,736,000 | 2,392,000 |
| Net income | 1,578,000 | 3,556,000 | 5,723,000 | 7,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,035,000 | 45,481,000 | 46,445,000 | 48,232,000 |
| Total capital | 50,556,000 | 51,116,000 | 53,179,000 | 55,177,000 |
| Risk-weighted assets | 434,959,000 | 458,100,000 | 532,665,000 | 546,978,000 |