Call reports 2012
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2012
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,033,968,000 | 1,054,865,000 | 1,055,165,000 | 1,025,432,000 |
| Total loans | 763,636,000 | 769,159,000 | 753,587,000 | 753,646,000 |
| Allowance for loan losses | 9,507,000 | 9,627,000 | 10,113,000 | 10,379,000 |
| Securities available for sale | 121,037,000 | 132,151,000 | 133,635,000 | 132,636,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 836,504,000 | 857,031,000 | 858,328,000 | 874,905,000 |
| Interest-bearing deposits | 717,081,000 | 747,623,000 | 739,646,000 | 750,816,000 |
| Noninterest-bearing deposits | 119,423,000 | 109,408,000 | 118,682,000 | 124,089,000 |
| Equity capital | 84,907,000 | 86,965,000 | 88,588,000 | 88,421,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 10,371,000 | 20,801,000 | 31,013,000 | 40,986,000 |
| Interest expense | 1,966,000 | 3,777,000 | 5,469,000 | 6,890,000 |
| Net interest income | 8,405,000 | 17,024,000 | 25,544,000 | 34,096,000 |
| Noninterest income | 2,313,000 | 4,538,000 | 6,481,000 | 8,404,000 |
| Noninterest expense | 7,008,000 | 14,578,000 | 21,970,000 | 30,637,000 |
| Provision for loan losses | 1,950,000 | 2,775,000 | 3,600,000 | 5,225,000 |
| Pretax income | 1,760,000 | 4,230,000 | 6,450,000 | 6,583,000 |
| Income tax | 277,000 | 710,000 | 1,083,000 | 761,000 |
| Net income | 1,483,000 | 3,520,000 | 5,367,000 | 5,822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,564,000 | 81,509,000 | 82,786,000 | 82,631,000 |
| Total capital | 89,071,000 | 91,127,000 | 92,227,000 | 92,056,000 |
| Risk-weighted assets | 763,063,000 | 769,430,000 | 754,643,000 | 753,050,000 |