Vitals
  • Total Assets
    1.1B 8.9 %
  • Total Deposits
    983.0M 7.0 %
  • Total Net Loans
    883.3M 14.4 %
  • Net Income
    8.8M -18.1 %
  • Book Value
    115.7M 3.8 %
  • Book Value x2
    231.5M 3.8 %
  • Book Value x3
    347.2M 3.8 %
ROAA

.804

ROAE

7.629

Efficiency Ratio

66.141

Net Interest Margin

3.792

Balance Sheet Highlights
Financial Highlights Farmers And Merchants Trust Company Of Chambersburg All Insured Commercial Banks in Pennsylvania
Balance Sheet $(000)
Total Assets 1,128,634 784,148
Total Net Loans 883,338 559,183
Total Deposits 982,974 637,080
Total Equity 115,733 81,247
Profitability
Net Income 8,758 6,303
Return on Average Assets .804 .785
Return on Average Equity 7.629 7.431
Net Interest Margin 3.792 3.473
Efficiency Ratio 66.141 69.514
Noninterest Income/Revenue 20.054 18.146
Balance Sheet Ratios
Loan-to-Deposit 89.864 86.432
Securities/Assets .127 .178
Total Equity/Total Assets .103 .104
Tangible Equity/Tangible Assets .095 .094
Capital Adequacy
Tier 1 Common Capital 110,932 72,881
Tier 1 Capital 110,932 73,172
Tier 2 Capital 9,780 6,143
Total Capital 120,712 79,518
Total Risk Weighted Assets 776,508 578,873
Leverage Ratio 10.02 9.899
Common Equity Tier 1 Capital Ratio 14.29 13.811
Tier 1 Capital Ratio 14.29 13.878
Total Capital Ratio 15.55 15.103

Timeline for Farmers And Merchants Trust Company Of Chambersburg

Franklin Financial Properties Corporation

Franklin Financial Properties Corporation became a new subsidiary organization for Farmers And Merchants Trust Company Of Chambersburg.

View Profile Mar 30 2012

Camp Hill Cmnty Off

Acquisition: Farmers And Merchants Trust Company Of Chambersburg acquired a new subsidiary, Camp Hill Cmnty Off , 15 years

View Profile Nov 29 2008

The Fulton County National Bank And Trust Company

Acquisition: Farmers And Merchants Trust Company Of Chambersburg acquired a new subsidiary, The Fulton County National Bank And Trust Company, 17 years

View Profile Jul 01 2006

The Mont Alto State Bank

Acquisition: Farmers And Merchants Trust Company Of Chambersburg acquired a new subsidiary, The Mont Alto State Bank, 29 years

View Profile Apr 29 1995

Franklin Realty Services Corporation

Franklin Realty Services Corporation became a new subsidiary organization for Farmers And Merchants Trust Company Of Chambersburg.

View Profile Sep 23 1985

Want to see more?

Complete timeline for Farmers And Merchants Trust Company Of Chambersburg is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Camp Hill Cmnty Off Seller Acquisition Discontinued 11/29/2008
The Fulton County National Bank And Trust Company Seller 122,584 Acquisition Discontinued 7/1/2006
The Mont Alto State Bank Seller 26,108 Pooling of Interests Discontinued 4/29/1995
Relationships Role Relationship Start Relationship End
Franklin Financial Services Corporation Parent 1/16/1984
Franklin Financial Properties Corporation Subsidary 3/30/2012
Franklin Realty Services Corporation Subsidary 9/23/1985 3/9/2004
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