Call reports 2015
MUNCY BANK AND TRUST COMPANY, THE — 2015
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 367,577,000 | 366,850,000 | 374,210,000 | 375,973,000 |
| Total loans | 286,573,000 | 292,943,000 | 303,425,000 | 304,861,000 |
| Allowance for loan losses | 4,048,000 | 4,112,000 | 4,136,000 | 3,958,000 |
| Securities available for sale | 48,534,000 | 46,980,000 | 47,591,000 | 47,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,916,000 | 319,639,000 | 321,648,000 | 313,735,000 |
| Interest-bearing deposits | 273,884,000 | 275,427,000 | 278,241,000 | 267,699,000 |
| Noninterest-bearing deposits | 47,032,000 | 44,212,000 | 43,407,000 | 46,035,000 |
| Equity capital | 38,977,000 | 39,271,000 | 40,281,000 | 41,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,791,000 | 7,630,000 | 11,490,000 | 15,367,000 |
| Interest expense | 513,000 | 1,028,000 | 1,554,000 | 2,076,000 |
| Net interest income | 3,278,000 | 6,602,000 | 9,936,000 | 13,291,000 |
| Noninterest income | 420,000 | 883,000 | 1,376,000 | 1,906,000 |
| Noninterest expense | 2,084,000 | 4,344,000 | 6,483,000 | 8,909,000 |
| Provision for loan losses | 75,000 | 150,000 | 175,000 | 175,000 |
| Pretax income | 1,542,000 | 3,000,000 | 4,668,000 | 6,135,000 |
| Income tax | 379,000 | 741,000 | 1,210,000 | 1,590,000 |
| Net income | 1,163,000 | 2,259,000 | 3,458,000 | 4,545,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,513,000 | 39,214,000 | 40,055,000 | 40,770,000 |
| Total capital | 41,788,000 | 42,345,000 | 43,476,000 | 44,016,000 |
| Risk-weighted assets | 261,276,000 | 249,488,000 | 272,863,000 | 258,935,000 |