Call reports 2010
MUNCY BANK AND TRUST COMPANY, THE — 2010
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 265,158,000 | 272,243,000 | 278,381,000 | 289,350,000 |
| Total loans | 202,302,000 | 206,242,000 | 213,921,000 | 218,193,000 |
| Allowance for loan losses | 2,413,000 | 2,530,000 | 2,645,000 | 2,837,000 |
| Securities available for sale | 30,682,000 | 31,360,000 | 35,868,000 | 40,934,000 |
| Securities held to maturity | 2,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,629,000 | 232,311,000 | 237,560,000 | 244,177,000 |
| Interest-bearing deposits | 203,286,000 | 211,063,000 | 212,110,000 | 219,432,000 |
| Noninterest-bearing deposits | 22,343,000 | 21,248,000 | 25,450,000 | 24,745,000 |
| Equity capital | 22,574,000 | 23,203,000 | 24,143,000 | 23,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,326,000 | 6,744,000 | 10,278,000 | 13,897,000 |
| Interest expense | 1,086,000 | 2,112,000 | 3,100,000 | 4,031,000 |
| Net interest income | 2,240,000 | 4,632,000 | 7,178,000 | 9,866,000 |
| Noninterest income | 360,000 | 785,000 | 1,218,000 | 1,629,000 |
| Noninterest expense | 1,518,000 | 3,058,000 | 4,758,000 | 6,848,000 |
| Provision for loan losses | 115,000 | 265,000 | 415,000 | 665,000 |
| Pretax income | 969,000 | 2,097,000 | 3,230,000 | 3,990,000 |
| Income tax | 202,000 | 467,000 | 687,000 | 919,000 |
| Net income | 767,000 | 1,630,000 | 2,543,000 | 3,071,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,373,000 | 23,011,000 | 23,698,000 | 23,992,000 |
| Total capital | 24,820,000 | 25,554,000 | 26,358,000 | 26,677,000 |
| Risk-weighted assets | 202,921,000 | 209,298,000 | 217,654,000 | 220,712,000 |