Call reports 2011
MUNCY BANK AND TRUST COMPANY, THE — 2011
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 286,313,000 | 293,267,000 | 297,687,000 | 299,230,000 |
| Total loans | 219,649,000 | 226,354,000 | 227,406,000 | 231,745,000 |
| Allowance for loan losses | 2,986,000 | 3,120,000 | 3,280,000 | 3,469,000 |
| Securities available for sale | 44,486,000 | 45,321,000 | 43,628,000 | 42,129,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,426,000 | 249,723,000 | 255,751,000 | 257,485,000 |
| Interest-bearing deposits | 219,997,000 | 221,869,000 | 225,378,000 | 226,397,000 |
| Noninterest-bearing deposits | 28,429,000 | 27,854,000 | 30,373,000 | 31,088,000 |
| Equity capital | 24,983,000 | 26,439,000 | 27,958,000 | 28,329,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 3,619,000 | 7,338,000 | 11,137,000 | 14,954,000 |
| Interest expense | 816,000 | 1,562,000 | 2,269,000 | 2,919,000 |
| Net interest income | 2,803,000 | 5,776,000 | 8,868,000 | 12,035,000 |
| Noninterest income | 421,000 | 876,000 | 1,383,000 | 1,823,000 |
| Noninterest expense | 1,560,000 | 3,309,000 | 4,996,000 | 7,321,000 |
| Provision for loan losses | 150,000 | 300,000 | 500,000 | 825,000 |
| Pretax income | 1,514,000 | 3,040,000 | 4,753,000 | 5,716,000 |
| Income tax | 327,000 | 645,000 | 1,004,000 | 1,399,000 |
| Net income | 1,187,000 | 2,395,000 | 3,749,000 | 4,317,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,937,000 | 25,902,000 | 26,998,000 | 27,291,000 |
| Total capital | 27,723,000 | 28,759,000 | 29,854,000 | 30,167,000 |
| Risk-weighted assets | 222,684,000 | 228,232,000 | 228,006,000 | 229,481,000 |