Call reports 2007
MUNCY BANK AND TRUST COMPANY, THE — 2007
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 182,516,000 | 188,255,000 | 194,382,000 | 197,452,000 |
| Total loans | 140,681,000 | 146,080,000 | 150,614,000 | 154,658,000 |
| Allowance for loan losses | 1,523,000 | 1,586,000 | 1,646,000 | 1,613,000 |
| Securities available for sale | 30,339,000 | 30,552,000 | 31,146,000 | 30,821,000 |
| Securities held to maturity | 4,000 | 4,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,683,000 | 147,812,000 | 151,061,000 | 152,648,000 |
| Interest-bearing deposits | 128,493,000 | 132,320,000 | 133,155,000 | 135,102,000 |
| Noninterest-bearing deposits | 15,190,000 | 15,493,000 | 17,906,000 | 17,546,000 |
| Equity capital | 18,597,000 | 18,627,000 | 19,340,000 | 19,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,809,000 | 5,753,000 | 8,827,000 | 11,883,000 |
| Interest expense | 1,392,000 | 2,804,000 | 4,291,000 | 5,755,000 |
| Net interest income | 1,417,000 | 2,949,000 | 4,536,000 | 6,128,000 |
| Noninterest income | 386,000 | 741,000 | 1,087,000 | 1,493,000 |
| Noninterest expense | 1,222,000 | 2,345,000 | 3,495,000 | 4,678,000 |
| Provision for loan losses | 90,000 | 160,000 | 220,000 | 345,000 |
| Pretax income | 491,000 | 1,185,000 | 1,908,000 | 2,598,000 |
| Income tax | 93,000 | 249,000 | 403,000 | 546,000 |
| Net income | 398,000 | 936,000 | 1,505,000 | 2,052,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,795,000 | 19,145,000 | 19,524,000 | 19,875,000 |
| Total capital | 20,337,000 | 20,753,000 | 21,195,000 | 21,515,000 |
| Risk-weighted assets | 137,335,000 | 142,514,000 | 146,781,000 | 150,831,000 |