Call reports 2009
MUNCY BANK AND TRUST COMPANY, THE — 2009
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 224,609,000 | 229,282,000 | 239,941,000 | 259,185,000 |
| Total loans | 178,300,000 | 184,650,000 | 194,220,000 | 199,748,000 |
| Allowance for loan losses | 2,153,000 | 2,139,000 | 2,286,000 | 2,309,000 |
| Securities available for sale | 30,715,000 | 30,599,000 | 31,604,000 | 29,073,000 |
| Securities held to maturity | 2,000 | 2,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 188,218,000 | 191,434,000 | 198,142,000 | 218,538,000 |
| Interest-bearing deposits | 168,893,000 | 172,660,000 | 179,194,000 | 198,547,000 |
| Noninterest-bearing deposits | 19,325,000 | 18,774,000 | 18,948,000 | 19,991,000 |
| Equity capital | 20,784,000 | 21,143,000 | 21,888,000 | 22,011,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,143,000 | 6,327,000 | 9,647,000 | 13,005,000 |
| Interest expense | 1,254,000 | 2,474,000 | 3,649,000 | 4,769,000 |
| Net interest income | 1,889,000 | 3,853,000 | 5,998,000 | 8,236,000 |
| Noninterest income | 354,000 | 639,000 | 1,033,000 | 1,454,000 |
| Noninterest expense | 1,387,000 | 2,700,000 | 4,140,000 | 5,864,000 |
| Provision for loan losses | 150,000 | 250,000 | 400,000 | 550,000 |
| Pretax income | 722,000 | 1,561,000 | 2,511,000 | 3,286,000 |
| Income tax | 154,000 | 334,000 | 538,000 | 735,000 |
| Net income | 568,000 | 1,227,000 | 1,973,000 | 2,551,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,495,000 | 20,939,000 | 21,469,000 | 21,830,000 |
| Total capital | 22,663,000 | 23,111,000 | 23,790,000 | 24,174,000 |
| Risk-weighted assets | 173,406,000 | 182,727,000 | 191,574,000 | 194,658,000 |