Call reports 2019
MUNCY BANK AND TRUST COMPANY, THE — 2019
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 471,783,000 | 478,975,000 | 493,232,000 | 489,424,000 |
| Total loans | 373,073,000 | 376,074,000 | 387,064,000 | 385,340,000 |
| Allowance for loan losses | 3,992,000 | 3,986,000 | 3,986,000 | 4,024,000 |
| Securities available for sale | 63,860,000 | 68,335,000 | 74,737,000 | 73,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 413,042,000 | 419,569,000 | 437,704,000 | 421,617,000 |
| Interest-bearing deposits | 344,628,000 | 349,541,000 | 370,106,000 | 353,709,000 |
| Noninterest-bearing deposits | 68,414,000 | 70,028,000 | 67,598,000 | 67,908,000 |
| Equity capital | 46,569,000 | 47,546,000 | 48,691,000 | 49,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,182,000 | 10,521,000 | 16,085,000 | 21,614,000 |
| Interest expense | 1,275,000 | 2,594,000 | 3,930,000 | 5,183,000 |
| Net interest income | 3,907,000 | 7,927,000 | 12,155,000 | 16,431,000 |
| Noninterest income | 569,000 | 1,221,000 | 1,920,000 | 2,640,000 |
| Noninterest expense | 3,056,000 | 6,233,000 | 9,400,000 | 12,607,000 |
| Provision for loan losses | 0 | 0 | 0 | 125,000 |
| Pretax income | 1,420,000 | 2,915,000 | 4,678,000 | 6,345,000 |
| Income tax | 223,000 | 456,000 | 728,000 | 975,000 |
| Net income | 1,197,000 | 2,459,000 | 3,950,000 | 5,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,526,000 | 46,987,000 | 47,878,000 | 48,699,000 |
| Total capital | 50,513,000 | 50,973,000 | 51,864,000 | 52,723,000 |
| Risk-weighted assets | 318,965,000 | 322,447,000 | 331,825,000 | 332,930,000 |