Farmers and Merchants Trust Company of Chambersburg

Farmers and Merchants Trust Company of Chambersburg is headquartered in Chambersburg and is the 25^th largest bank in the state of Pennsylvania. It is also the 643^rd largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 273 employees at 28 locations. Farmers and Merchants Trust Company of Chambersburg has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Farmers and Merchants Trust Company of Chambersburg FDIC Certificate # 8405 BankRate Report View Year Established 1906 Employees 273 Primary Regulator FDIC Assets and Liabilities Assets $1.03 billion Loans $754.13 million Deposits $836.50 million Equity Capital $84.91 million Loan Loss Allowance $9.51 million Unbacked Noncurrent Loans $25.81 million Real Estate Owned $3.12 million Historic Data - March 2011 Assets $969.69 million Equity Capital $79.95 million Loan Loss Allowance $9.20 million Unbacked Noncurrent Loans $25.94 million Real Estate Owned $635,000 Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 0.59% Return on Equity 7.07% Interest Income $10.37 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Farmers and Merchants Trust Company of Chambersburg had $28.93 million in non-current loans and owned real-estate with $94.41 million in equity and loan loss allowances on hand to cover it. This gives Farmers and Merchants Trust Company of Chambersburg a Texas Ratio of 30.64% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Farmers and Merchants Trust Company of Chambersburg held steady from 30.39% as of March 31, 2011 to 30.64% as of March 31, 2012, resulting in a negative change of 0.84%. This indicates that the balance sheet and financial strength for Farmers and Merchants Trust Company of Chambersburg has held steady in recent periods. Deposit Growth In the past year, Farmers and Merchants Trust Company of Chambersburg has increased its total deposits by $78.29 million, resulting in 10.32% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers and Merchants Trust Company of Chambersburg has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers and Merchants Trust Company of Chambersburg has $1.03 billion in assets with $94.41 million in equity, resulting in a capitalization level of 9.13%, which is average.

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