Call reports 2009
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2009
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 913,049,000 | 964,470,000 | 973,328,000 | 977,241,000 |
| Total loans | 696,773,000 | 703,418,000 | 733,161,000 | 739,813,000 |
| Allowance for loan losses | 7,843,000 | 7,930,000 | 8,828,000 | 8,937,000 |
| Securities available for sale | 139,792,000 | 146,715,000 | 155,659,000 | 142,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 655,146,000 | 710,750,000 | 710,596,000 | 739,166,000 |
| Interest-bearing deposits | 621,738,000 | 676,785,000 | 685,416,000 | 712,436,000 |
| Noninterest-bearing deposits | 33,408,000 | 33,965,000 | 25,180,000 | 26,730,000 |
| Equity capital | 69,918,000 | 72,492,000 | 74,017,000 | 75,127,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 11,345,000 | 23,009,000 | 34,516,000 | 46,081,000 |
| Interest expense | 3,593,000 | 7,224,000 | 10,965,000 | 14,673,000 |
| Net interest income | 7,752,000 | 15,785,000 | 23,551,000 | 31,408,000 |
| Noninterest income | 2,189,000 | 4,309,000 | 6,305,000 | 8,482,000 |
| Noninterest expense | 6,237,000 | 13,083,000 | 19,643,000 | 26,065,000 |
| Provision for loan losses | 593,000 | 1,019,000 | 2,663,000 | 3,438,000 |
| Pretax income | 2,982,000 | 5,692,000 | 7,000,000 | 9,641,000 |
| Income tax | 715,000 | 1,533,000 | 1,633,000 | 2,302,000 |
| Net income | 2,267,000 | 4,159,000 | 5,367,000 | 7,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 66,004,000 | 67,240,000 | 67,522,000 | 68,432,000 |
| Total capital | 73,847,000 | 75,170,000 | 76,350,000 | 77,369,000 |
| Risk-weighted assets | 706,526,000 | 721,960,000 | 735,290,000 | 740,175,000 |