Call reports 2014
MUNCY BANK AND TRUST COMPANY, THE — 2014
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 365,163,000 | 369,731,000 | 362,306,000 | 360,027,000 |
| Total loans | 268,505,000 | 273,498,000 | 281,857,000 | 286,925,000 |
| Allowance for loan losses | 4,061,000 | 4,249,000 | 4,191,000 | 4,010,000 |
| Securities available for sale | 47,101,000 | 48,221,000 | 48,845,000 | 49,318,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,396,000 | 323,751,000 | 314,741,000 | 312,532,000 |
| Interest-bearing deposits | 278,516,000 | 280,457,000 | 274,062,000 | 271,459,000 |
| Noninterest-bearing deposits | 41,881,000 | 43,294,000 | 40,679,000 | 41,073,000 |
| Equity capital | 35,289,000 | 36,235,000 | 37,255,000 | 38,144,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,744,000 | 7,533,000 | 11,356,000 | 15,196,000 |
| Interest expense | 561,000 | 1,115,000 | 1,673,000 | 2,220,000 |
| Net interest income | 3,183,000 | 6,418,000 | 9,683,000 | 12,976,000 |
| Noninterest income | 480,000 | 1,021,000 | 1,439,000 | 1,958,000 |
| Noninterest expense | 1,993,000 | 4,124,000 | 6,073,000 | 8,253,000 |
| Provision for loan losses | 75,000 | 150,000 | 150,000 | 225,000 |
| Pretax income | 1,597,000 | 3,171,000 | 4,905,000 | 6,463,000 |
| Income tax | 389,000 | 836,000 | 1,295,000 | 1,702,000 |
| Net income | 1,208,000 | 2,335,000 | 3,610,000 | 4,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,187,000 | 35,971,000 | 36,912,000 | 37,729,000 |
| Total capital | 38,366,000 | 39,220,000 | 40,084,000 | 40,992,000 |
| Risk-weighted assets | 253,439,000 | 258,930,000 | 252,781,000 | 260,655,000 |