Call reports 2014
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2014
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,023,096,000 | 1,019,836,000 | 1,020,742,000 | 1,000,046,000 |
| Total loans | 726,214,000 | 733,319,000 | 731,978,000 | 726,920,000 |
| Allowance for loan losses | 9,745,000 | 9,519,000 | 8,935,000 | 9,111,000 |
| Securities available for sale | 160,649,000 | 175,025,000 | 176,111,000 | 171,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 893,278,000 | 901,645,000 | 899,104,000 | 881,603,000 |
| Interest-bearing deposits | 764,215,000 | 771,434,000 | 760,518,000 | 744,271,000 |
| Noninterest-bearing deposits | 129,063,000 | 130,211,000 | 138,586,000 | 137,332,000 |
| Equity capital | 94,067,000 | 96,310,000 | 99,801,000 | 101,704,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 8,874,000 | 18,076,000 | 27,401,000 | 36,461,000 |
| Interest expense | 830,000 | 1,647,000 | 2,447,000 | 3,180,000 |
| Net interest income | 8,044,000 | 16,429,000 | 24,954,000 | 33,281,000 |
| Noninterest income | 2,261,000 | 4,685,000 | 7,243,000 | 9,849,000 |
| Noninterest expense | 7,691,000 | 15,304,000 | 23,149,000 | 31,438,000 |
| Provision for loan losses | 198,000 | 464,000 | 464,000 | 764,000 |
| Pretax income | 2,416,000 | 5,485,000 | 8,703,000 | 11,107,000 |
| Income tax | 474,000 | 1,131,000 | 1,829,000 | 2,247,000 |
| Net income | 1,942,000 | 4,354,000 | 6,874,000 | 8,860,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 88,576,000 | 90,433,000 | 93,583,000 | 95,777,000 |
| Total capital | 97,300,000 | 99,196,000 | 102,416,000 | 104,712,000 |
| Risk-weighted assets | 690,921,000 | 700,249,000 | 694,291,000 | 686,190,000 |