Call reports 2013
MUNCY BANK AND TRUST COMPANY, THE — 2013
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 336,933,000 | 344,111,000 | 353,295,000 | 353,678,000 |
| Total loans | 245,067,000 | 251,292,000 | 261,572,000 | 267,220,000 |
| Allowance for loan losses | 3,836,000 | 3,939,000 | 3,989,000 | 3,994,000 |
| Securities available for sale | 42,049,000 | 42,381,000 | 46,085,000 | 46,467,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 291,097,000 | 300,841,000 | 308,417,000 | 308,624,000 |
| Interest-bearing deposits | 257,253,000 | 264,925,000 | 269,049,000 | 271,418,000 |
| Noninterest-bearing deposits | 33,844,000 | 35,916,000 | 39,368,000 | 37,206,000 |
| Equity capital | 32,653,000 | 32,846,000 | 33,617,000 | 34,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,690,000 | 7,369,000 | 11,162,000 | 14,980,000 |
| Interest expense | 610,000 | 1,218,000 | 1,829,000 | 2,418,000 |
| Net interest income | 3,080,000 | 6,151,000 | 9,333,000 | 12,562,000 |
| Noninterest income | 512,000 | 1,014,000 | 1,502,000 | 2,018,000 |
| Noninterest expense | 1,896,000 | 3,907,000 | 5,893,000 | 8,000,000 |
| Provision for loan losses | 150,000 | 250,000 | 325,000 | 400,000 |
| Pretax income | 1,552,000 | 3,014,000 | 4,623,000 | 6,186,000 |
| Income tax | 393,000 | 754,000 | 1,144,000 | 1,585,000 |
| Net income | 1,159,000 | 2,260,000 | 3,479,000 | 4,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,812,000 | 32,603,000 | 33,511,000 | 34,321,000 |
| Total capital | 34,802,000 | 35,661,000 | 36,671,000 | 37,507,000 |
| Risk-weighted assets | 238,355,000 | 243,772,000 | 251,966,000 | 254,110,000 |