Call reports 2016
MUNCY BANK AND TRUST COMPANY, THE — 2016
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 375,430,000 | 384,245,000 | 394,295,000 | 393,650,000 |
| Total loans | 304,565,000 | 306,917,000 | 306,404,000 | 307,903,000 |
| Allowance for loan losses | 3,960,000 | 3,997,000 | 3,294,000 | 3,419,000 |
| Securities available for sale | 45,440,000 | 48,788,000 | 56,449,000 | 57,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,569,000 | 333,647,000 | 341,440,000 | 335,506,000 |
| Interest-bearing deposits | 280,472,000 | 285,252,000 | 288,026,000 | 284,918,000 |
| Noninterest-bearing deposits | 46,097,000 | 48,395,000 | 53,414,000 | 50,588,000 |
| Equity capital | 41,694,000 | 42,617,000 | 42,947,000 | 42,400,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,835,000 | 7,663,000 | 11,523,000 | 15,309,000 |
| Interest expense | 515,000 | 1,011,000 | 1,499,000 | 1,982,000 |
| Net interest income | 3,320,000 | 6,652,000 | 10,024,000 | 13,327,000 |
| Noninterest income | 449,000 | 962,000 | 1,497,000 | 1,750,000 |
| Noninterest expense | 2,479,000 | 4,888,000 | 7,455,000 | 9,483,000 |
| Provision for loan losses | 75,000 | 125,000 | 225,000 | 525,000 |
| Pretax income | 1,248,000 | 2,634,000 | 3,883,000 | 5,111,000 |
| Income tax | 302,000 | 625,000 | 968,000 | 1,177,000 |
| Net income | 946,000 | 2,009,000 | 2,915,000 | 3,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,312,000 | 41,970,000 | 42,428,000 | 42,995,000 |
| Total capital | 44,530,000 | 45,237,000 | 45,722,000 | 46,342,000 |
| Risk-weighted assets | 256,685,000 | 260,636,000 | 265,240,000 | 267,663,000 |