Call reports 2007
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2007
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 787,266,000 | 818,282,000 | 812,002,000 | 814,314,000 |
| Total loans | 541,305,000 | 564,061,000 | 567,445,000 | 572,093,000 |
| Allowance for loan losses | 6,927,000 | 7,100,000 | 7,324,000 | 7,361,000 |
| Securities available for sale | 171,515,000 | 185,491,000 | 176,126,000 | 162,824,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 610,931,000 | 623,888,000 | 618,193,000 | 607,809,000 |
| Interest-bearing deposits | 577,905,000 | 589,734,000 | 582,592,000 | 573,507,000 |
| Noninterest-bearing deposits | 33,026,000 | 34,154,000 | 35,601,000 | 34,302,000 |
| Equity capital | 61,293,000 | 61,376,000 | 63,361,000 | 66,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,109,000 | 24,862,000 | 38,350,000 | 51,535,000 |
| Interest expense | 5,990,000 | 12,232,000 | 18,358,000 | 23,796,000 |
| Net interest income | 6,119,000 | 12,630,000 | 19,992,000 | 27,739,000 |
| Noninterest income | 2,113,000 | 4,293,000 | 6,896,000 | 8,893,000 |
| Noninterest expense | 5,592,000 | 11,030,000 | 17,116,000 | 23,180,000 |
| Provision for loan losses | 150,000 | 450,000 | 790,000 | 990,000 |
| Pretax income | 2,485,000 | 5,392,000 | 8,931,000 | 12,411,000 |
| Income tax | 543,000 | 1,261,000 | 2,145,000 | 3,015,000 |
| Net income | 1,942,000 | 4,131,000 | 6,786,000 | 9,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,302,000 | 52,203,000 | 53,851,000 | 55,462,000 |
| Total capital | 56,258,000 | 59,329,000 | 61,129,000 | 62,823,000 |
| Risk-weighted assets | 552,771,000 | 590,410,000 | 581,660,000 | 590,824,000 |