Call reports 2012
MUNCY BANK AND TRUST COMPANY, THE — 2012
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 310,129,000 | 310,640,000 | 318,874,000 | 322,948,000 |
| Total loans | 234,000,000 | 238,141,000 | 244,280,000 | 247,035,000 |
| Allowance for loan losses | 3,618,000 | 3,611,000 | 3,683,000 | 3,925,000 |
| Securities available for sale | 41,211,000 | 41,268,000 | 42,218,000 | 40,858,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,520,000 | 265,843,000 | 273,301,000 | 277,560,000 |
| Interest-bearing deposits | 234,215,000 | 236,030,000 | 241,916,000 | 245,771,000 |
| Noninterest-bearing deposits | 32,305,000 | 29,813,000 | 31,385,000 | 31,789,000 |
| Equity capital | 29,436,000 | 30,511,000 | 31,411,000 | 31,995,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,791,000 | 7,562,000 | 11,421,000 | 15,215,000 |
| Interest expense | 617,000 | 1,231,000 | 1,862,000 | 2,498,000 |
| Net interest income | 3,174,000 | 6,331,000 | 9,559,000 | 12,717,000 |
| Noninterest income | 707,000 | 1,134,000 | 1,623,000 | 2,159,000 |
| Noninterest expense | 1,655,000 | 3,495,000 | 5,240,000 | 7,321,000 |
| Provision for loan losses | 150,000 | 375,000 | 600,000 | 875,000 |
| Pretax income | 2,075,000 | 3,594,000 | 5,341,000 | 6,679,000 |
| Income tax | 498,000 | 859,000 | 1,443,000 | 1,838,000 |
| Net income | 1,577,000 | 2,735,000 | 3,898,000 | 4,841,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,592,000 | 29,474,000 | 30,328,000 | 30,963,000 |
| Total capital | 31,487,000 | 32,372,000 | 33,320,000 | 33,736,000 |
| Risk-weighted assets | 231,098,000 | 231,131,000 | 238,641,000 | 235,869,000 |