Call reports 2025
FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG — 2025
What FARMERS AND MERCHANTS TRUST COMPANY OF CHAMBERSBURG reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 2,258,716,000 | 2,287,488,000 | 2,297,312,000 | 2,239,135,000 |
| Total loans | 1,457,982,000 | 1,520,642,000 | 1,565,287,000 | 1,580,167,000 |
| Allowance for loan losses | 18,444,000 | 19,122,000 | 20,352,000 | 20,655,000 |
| Securities available for sale | 495,487,000 | 481,259,000 | 469,285,000 | 454,586,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,877,554,000 | 1,902,803,000 | 1,903,075,000 | 1,836,236,000 |
| Interest-bearing deposits | 1,568,632,000 | 1,599,437,000 | 1,590,970,000 | 1,525,521,000 |
| Noninterest-bearing deposits | 308,922,000 | 303,366,000 | 312,105,000 | 310,715,000 |
| Equity capital | 160,768,000 | 166,962,000 | 176,051,000 | 184,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 27,561,000 | 56,886,000 | 87,175,000 | 116,807,000 |
| Interest expense | 11,187,000 | 22,287,000 | 33,228,000 | 43,445,000 |
| Net interest income | 16,374,000 | 34,599,000 | 53,947,000 | 73,362,000 |
| Noninterest income | 4,677,000 | 9,783,000 | 14,666,000 | 19,455,000 |
| Noninterest expense | 14,619,000 | 29,109,000 | 44,464,000 | 60,096,000 |
| Provision for loan losses | 750,000 | 1,454,000 | 2,704,000 | 3,030,000 |
| Pretax income | 5,653,000 | 13,859,000 | 21,538,000 | 29,822,000 |
| Income tax | 1,117,000 | 2,732,000 | 4,249,000 | 5,864,000 |
| Net income | 4,536,000 | 11,127,000 | 17,289,000 | 23,958,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,608,000 | 188,730,000 | 192,841,000 | 197,097,000 |
| Total capital | 203,671,000 | 209,257,000 | 213,583,000 | 217,621,000 |
| Risk-weighted assets | 1,604,609,000 | 1,641,637,000 | 1,657,843,000 | 1,639,951,000 |
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