Call reports 2003
MUNCY BANK AND TRUST COMPANY, THE — 2003
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 128,093,000 | 131,975,000 | 135,834,000 | 138,726,000 |
| Total loans | 84,489,000 | 87,057,000 | 89,901,000 | 95,325,000 |
| Allowance for loan losses | 905,000 | 944,000 | 990,000 | 943,000 |
| Securities available for sale | 29,042,000 | 28,652,000 | 34,018,000 | 34,329,000 |
| Securities held to maturity | 15,000 | 13,000 | 12,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,806,000 | 114,918,000 | 116,605,000 | 117,630,000 |
| Interest-bearing deposits | 100,126,000 | 103,266,000 | 105,634,000 | 105,690,000 |
| Noninterest-bearing deposits | 11,679,000 | 11,652,000 | 10,971,000 | 11,941,000 |
| Equity capital | 14,592,000 | 15,074,000 | 15,277,000 | 15,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,683,000 | 5,522,000 | 7,389,000 |
| Interest expense | 684,000 | 1,322,000 | 1,936,000 | 2,499,000 |
| Net interest income | 1,161,000 | 2,361,000 | 3,586,000 | 4,890,000 |
| Noninterest income | 250,000 | 500,000 | 835,000 | 1,121,000 |
| Noninterest expense | 788,000 | 1,606,000 | 2,384,000 | 3,327,000 |
| Provision for loan losses | 40,000 | 85,000 | 123,000 | 218,000 |
| Pretax income | 598,000 | 1,186,000 | 1,933,000 | 2,486,000 |
| Income tax | 141,000 | 276,000 | 442,000 | 520,000 |
| Net income | 457,000 | 910,000 | 1,491,000 | 1,966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,171,000 | 14,493,000 | 14,943,000 | 15,156,000 |
| Total capital | 15,076,000 | 15,437,000 | 15,933,000 | 16,099,000 |
| Risk-weighted assets | 79,421,000 | 89,700,000 | 83,419,000 | 90,109,000 |