Call reports 2016
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2016
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,071,054,000 | 1,085,180,000 | 1,108,356,000 | 1,128,634,000 |
| Total loans | 803,127,000 | 827,143,000 | 858,943,000 | 894,413,000 |
| Allowance for loan losses | 10,342,000 | 10,318,000 | 10,685,000 | 11,075,000 |
| Securities available for sale | 154,691,000 | 163,557,000 | 155,345,000 | 143,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 951,061,000 | 966,025,000 | 979,073,000 | 982,974,000 |
| Interest-bearing deposits | 791,139,000 | 803,038,000 | 804,162,000 | 811,775,000 |
| Noninterest-bearing deposits | 159,922,000 | 162,987,000 | 174,911,000 | 171,199,000 |
| Equity capital | 114,558,000 | 115,728,000 | 116,535,000 | 115,733,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 9,506,000 | 18,862,000 | 28,489,000 | 38,458,000 |
| Interest expense | 546,000 | 1,093,000 | 1,656,000 | 2,245,000 |
| Net interest income | 8,960,000 | 17,769,000 | 26,833,000 | 36,213,000 |
| Noninterest income | 2,836,000 | 5,638,000 | 8,484,000 | 10,245,000 |
| Noninterest expense | 7,830,000 | 15,579,000 | 23,648,000 | 32,304,000 |
| Provision for loan losses | 300,000 | 2,175,000 | 3,325,000 | 3,775,000 |
| Pretax income | 3,647,000 | 5,636,000 | 8,318,000 | 10,361,000 |
| Income tax | 765,000 | 996,000 | 1,425,000 | 1,603,000 |
| Net income | 2,882,000 | 4,640,000 | 6,893,000 | 8,758,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 108,562,000 | 109,068,000 | 110,066,000 | 110,932,000 |
| Total capital | 117,869,000 | 118,458,000 | 119,587,000 | 120,712,000 |
| Risk-weighted assets | 740,960,000 | 747,497,000 | 757,365,000 | 776,508,000 |