Call reports 2005
MUNCY BANK AND TRUST COMPANY, THE — 2005
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 148,974,000 | 154,800,000 | 164,664,000 | 168,763,000 |
| Total loans | 107,673,000 | 111,595,000 | 119,046,000 | 123,332,000 |
| Allowance for loan losses | 1,111,000 | 1,178,000 | 1,228,000 | 1,176,000 |
| Securities available for sale | 30,747,000 | 33,327,000 | 34,953,000 | 34,000,000 |
| Securities held to maturity | 6,000 | 6,000 | 6,000 | 5,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,567,000 | 132,592,000 | 134,471,000 | 139,882,000 |
| Interest-bearing deposits | 114,361,000 | 117,798,000 | 120,396,000 | 125,062,000 |
| Noninterest-bearing deposits | 13,206,000 | 14,794,000 | 14,075,000 | 14,820,000 |
| Equity capital | 16,522,000 | 17,104,000 | 17,292,000 | 17,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,016,000 | 4,133,000 | 6,416,000 | 8,821,000 |
| Interest expense | 691,000 | 1,427,000 | 2,247,000 | 3,199,000 |
| Net interest income | 1,325,000 | 2,706,000 | 4,169,000 | 5,622,000 |
| Noninterest income | 230,000 | 508,000 | 761,000 | 1,080,000 |
| Noninterest expense | 1,044,000 | 2,027,000 | 3,065,000 | 4,050,000 |
| Provision for loan losses | 63,000 | 130,000 | 198,000 | 265,000 |
| Pretax income | 448,000 | 1,057,000 | 1,667,000 | 2,387,000 |
| Income tax | 82,000 | 207,000 | 336,000 | 480,000 |
| Net income | 366,000 | 850,000 | 1,331,000 | 1,907,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,712,000 | 17,020,000 | 17,324,000 | 17,725,000 |
| Total capital | 17,834,000 | 18,211,000 | 18,567,000 | 18,917,000 |
| Risk-weighted assets | 107,211,000 | 112,287,000 | 120,519,000 | 123,569,000 |