Call reports 2015
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2015
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,018,437,000 | 1,028,730,000 | 1,036,880,000 | 1,036,465,000 |
| Total loans | 723,113,000 | 734,967,000 | 771,051,000 | 782,477,000 |
| Allowance for loan losses | 9,210,000 | 9,450,000 | 9,873,000 | 10,086,000 |
| Securities available for sale | 176,740,000 | 176,424,000 | 169,516,000 | 159,473,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 906,151,000 | 916,859,000 | 918,112,000 | 918,816,000 |
| Interest-bearing deposits | 757,519,000 | 772,495,000 | 765,843,000 | 766,417,000 |
| Noninterest-bearing deposits | 148,632,000 | 144,364,000 | 152,269,000 | 152,399,000 |
| Equity capital | 104,671,000 | 106,576,000 | 109,939,000 | 111,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 8,838,000 | 17,833,000 | 27,028,000 | 36,200,000 |
| Interest expense | 641,000 | 1,260,000 | 1,814,000 | 2,370,000 |
| Net interest income | 8,197,000 | 16,573,000 | 25,214,000 | 33,830,000 |
| Noninterest income | 2,741,000 | 5,695,000 | 8,284,000 | 11,002,000 |
| Noninterest expense | 7,560,000 | 15,195,000 | 22,934,000 | 30,974,000 |
| Provision for loan losses | 325,000 | 635,000 | 1,035,000 | 1,285,000 |
| Pretax income | 3,761,000 | 7,154,000 | 10,245,000 | 13,289,000 |
| Income tax | 853,000 | 1,582,000 | 2,034,000 | 2,598,000 |
| Net income | 2,908,000 | 5,572,000 | 8,211,000 | 10,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 98,684,000 | 101,360,000 | 103,999,000 | 106,180,000 |
| Total capital | 107,500,000 | 110,209,000 | 113,067,000 | 115,214,000 |
| Risk-weighted assets | 703,465,000 | 704,470,000 | 722,084,000 | 719,190,000 |