Call reports 2004
MUNCY BANK AND TRUST COMPANY, THE — 2004
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 137,023,000 | 139,563,000 | 142,480,000 | 145,438,000 |
| Total loans | 95,253,000 | 99,239,000 | 101,721,000 | 104,698,000 |
| Allowance for loan losses | 991,000 | 1,015,000 | 1,071,000 | 1,052,000 |
| Securities available for sale | 32,384,000 | 31,071,000 | 31,330,000 | 29,895,000 |
| Securities held to maturity | 9,000 | 8,000 | 8,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,154,000 | 114,186,000 | 113,788,000 | 115,231,000 |
| Interest-bearing deposits | 101,082,000 | 101,624,000 | 100,905,000 | 102,451,000 |
| Noninterest-bearing deposits | 12,072,000 | 12,562,000 | 12,883,000 | 12,780,000 |
| Equity capital | 15,969,000 | 15,743,000 | 16,493,000 | 16,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,866,000 | 3,727,000 | 5,668,000 | 7,643,000 |
| Interest expense | 548,000 | 1,081,000 | 1,645,000 | 2,252,000 |
| Net interest income | 1,318,000 | 2,646,000 | 4,023,000 | 5,391,000 |
| Noninterest income | 254,000 | 507,000 | 808,000 | 1,075,000 |
| Noninterest expense | 855,000 | 1,751,000 | 2,648,000 | 3,608,000 |
| Provision for loan losses | 50,000 | 103,000 | 175,000 | 248,000 |
| Pretax income | 667,000 | 1,299,000 | 2,008,000 | 2,610,000 |
| Income tax | 161,000 | 300,000 | 473,000 | 551,000 |
| Net income | 506,000 | 999,000 | 1,535,000 | 2,059,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,523,000 | 15,877,000 | 16,275,000 | 16,524,000 |
| Total capital | 16,514,000 | 16,892,000 | 17,346,000 | 17,576,000 |
| Risk-weighted assets | 87,317,000 | 96,903,000 | 100,477,000 | 100,725,000 |