Call reports 2002
MUNCY BANK AND TRUST COMPANY, THE — 2002
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 122,174,000 | 121,849,000 | 124,990,000 | 125,886,000 |
| Total loans | 79,386,000 | 80,916,000 | 83,143,000 | 83,683,000 |
| Allowance for loan losses | 749,000 | 772,000 | 795,000 | 873,000 |
| Securities available for sale | 34,577,000 | 33,636,000 | 31,413,000 | 29,748,000 |
| Securities held to maturity | 130,000 | 20,000 | 18,000 | 17,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,657,000 | 102,456,000 | 108,586,000 | 108,547,000 |
| Interest-bearing deposits | 92,370,000 | 91,845,000 | 97,822,000 | 97,555,000 |
| Noninterest-bearing deposits | 11,287,000 | 10,612,000 | 10,764,000 | 10,992,000 |
| Equity capital | 16,865,000 | 17,554,000 | 14,261,000 | 14,337,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,959,000 | 3,952,000 | 5,928,000 | 7,853,000 |
| Interest expense | 867,000 | 1,681,000 | 2,475,000 | 3,222,000 |
| Net interest income | 1,092,000 | 2,271,000 | 3,453,000 | 4,631,000 |
| Noninterest income | 166,000 | 326,000 | 523,000 | 781,000 |
| Noninterest expense | 651,000 | 1,367,000 | 2,072,000 | 2,968,000 |
| Provision for loan losses | 22,000 | 45,000 | 70,000 | 120,000 |
| Pretax income | 586,000 | 1,189,000 | 1,838,000 | 2,338,000 |
| Income tax | 137,000 | 269,000 | 429,000 | 532,000 |
| Net income | 449,000 | 920,000 | 1,409,000 | 1,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,734,000 | 17,186,000 | 13,694,000 | 13,845,000 |
| Total capital | 17,483,000 | 17,961,000 | 14,489,000 | 14,718,000 |
| Risk-weighted assets | 75,888,000 | 80,207,000 | 81,848,000 | 83,495,000 |