Call reports 2006
MUNCY BANK AND TRUST COMPANY, THE — 2006
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 174,413,000 | 179,623,000 | 183,341,000 | 183,981,000 |
| Total loans | 128,839,000 | 134,342,000 | 139,342,000 | 140,975,000 |
| Allowance for loan losses | 1,267,000 | 1,358,000 | 1,352,000 | 1,433,000 |
| Securities available for sale | 33,835,000 | 33,216,000 | 31,667,000 | 30,504,000 |
| Securities held to maturity | 5,000 | 5,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,969,000 | 140,223,000 | 142,994,000 | 141,620,000 |
| Interest-bearing deposits | 125,476,000 | 125,881,000 | 127,958,000 | 125,670,000 |
| Noninterest-bearing deposits | 16,493,000 | 14,343,000 | 15,036,000 | 15,950,000 |
| Equity capital | 17,702,000 | 17,430,000 | 18,046,000 | 18,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,473,000 | 5,084,000 | 7,862,000 | 10,682,000 |
| Interest expense | 1,023,000 | 2,193,000 | 3,525,000 | 4,911,000 |
| Net interest income | 1,450,000 | 2,891,000 | 4,337,000 | 5,771,000 |
| Noninterest income | 364,000 | 693,000 | 1,040,000 | 1,380,000 |
| Noninterest expense | 1,123,000 | 2,192,000 | 3,337,000 | 4,406,000 |
| Provision for loan losses | 127,000 | 217,000 | 307,000 | 386,000 |
| Pretax income | 564,000 | 1,175,000 | 1,733,000 | 2,359,000 |
| Income tax | 115,000 | 245,000 | 365,000 | 472,000 |
| Net income | 449,000 | 930,000 | 1,368,000 | 1,887,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,990,000 | 17,987,000 | 18,245,000 | 18,585,000 |
| Total capital | 19,266,000 | 19,361,000 | 19,616,000 | 20,035,000 |
| Risk-weighted assets | 127,538,000 | 134,140,000 | 138,473,000 | 135,480,000 |