Call reports 2013
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2013
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,052,214,000 | 1,029,899,000 | 1,000,368,000 | 981,358,000 |
| Total loans | 746,491,000 | 729,405,000 | 720,597,000 | 723,762,000 |
| Allowance for loan losses | 10,943,000 | 11,438,000 | 11,376,000 | 9,702,000 |
| Securities available for sale | 134,081,000 | 149,487,000 | 162,231,000 | 158,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 902,674,000 | 882,352,000 | 866,254,000 | 846,342,000 |
| Interest-bearing deposits | 787,188,000 | 762,854,000 | 742,945,000 | 724,159,000 |
| Noninterest-bearing deposits | 115,486,000 | 119,498,000 | 123,309,000 | 122,183,000 |
| Equity capital | 89,652,000 | 89,479,000 | 90,048,000 | 91,666,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 9,547,000 | 18,838,000 | 28,260,000 | 37,794,000 |
| Interest expense | 1,242,000 | 2,538,000 | 3,482,000 | 4,378,000 |
| Net interest income | 8,305,000 | 16,300,000 | 24,778,000 | 33,416,000 |
| Noninterest income | 2,178,000 | 4,436,000 | 6,758,000 | 9,165,000 |
| Noninterest expense | 7,654,000 | 15,305,000 | 22,800,000 | 31,371,000 |
| Provision for loan losses | 803,000 | 1,605,000 | 1,955,000 | 2,920,000 |
| Pretax income | 2,026,000 | 3,826,000 | 6,756,000 | 8,268,000 |
| Income tax | 367,000 | 634,000 | 1,291,000 | 1,555,000 |
| Net income | 1,659,000 | 3,192,000 | 5,465,000 | 6,713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 83,677,000 | 84,679,000 | 86,466,000 | 87,146,000 |
| Total capital | 92,944,000 | 93,697,000 | 95,370,000 | 95,942,000 |
| Risk-weighted assets | 733,796,000 | 716,194,000 | 706,223,000 | 696,202,000 |