Call reports 2008
MUNCY BANK AND TRUST COMPANY, THE — 2008
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 197,969,000 | 211,252,000 | 217,266,000 | 221,900,000 |
| Total loans | 155,054,000 | 167,143,000 | 171,202,000 | 175,595,000 |
| Allowance for loan losses | 1,563,000 | 1,651,000 | 1,771,000 | 1,993,000 |
| Securities available for sale | 30,572,000 | 30,681,000 | 30,832,000 | 33,339,000 |
| Securities held to maturity | 3,000 | 2,000 | 3,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 156,639,000 | 164,741,000 | 180,226,000 | 182,967,000 |
| Interest-bearing deposits | 138,571,000 | 146,124,000 | 160,167,000 | 163,953,000 |
| Noninterest-bearing deposits | 18,069,000 | 18,618,000 | 20,059,000 | 19,014,000 |
| Equity capital | 20,469,000 | 19,554,000 | 20,009,000 | 20,591,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,068,000 | 6,121,000 | 9,307,000 | 12,515,000 |
| Interest expense | 1,355,000 | 2,636,000 | 3,977,000 | 5,295,000 |
| Net interest income | 1,713,000 | 3,485,000 | 5,330,000 | 7,220,000 |
| Noninterest income | 393,000 | 725,000 | 1,159,000 | 1,580,000 |
| Noninterest expense | 1,282,000 | 2,457,000 | 3,779,000 | 5,310,000 |
| Provision for loan losses | 75,000 | 160,000 | 290,000 | 570,000 |
| Pretax income | 752,000 | 1,608,000 | 2,437,000 | 2,937,000 |
| Income tax | 160,000 | 340,000 | 518,000 | 631,000 |
| Net income | 592,000 | 1,268,000 | 1,919,000 | 2,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,269,000 | 19,739,000 | 20,184,000 | 20,363,000 |
| Total capital | 21,862,000 | 21,423,000 | 21,982,000 | 22,386,000 |
| Risk-weighted assets | 151,779,000 | 162,332,000 | 166,069,000 | 167,033,000 |