Call reports 2020
MUNCY BANK AND TRUST COMPANY, THE — 2020
What MUNCY BANK AND TRUST COMPANY, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 496,702,000 | 512,922,000 | 520,704,000 | 531,168,000 |
| Total loans | 386,807,000 | 403,956,000 | 403,956,000 | 406,511,000 |
| Allowance for loan losses | 4,011,000 | 4,246,000 | 4,223,000 | 4,268,000 |
| Securities available for sale | 72,947,000 | 73,715,000 | 81,199,000 | 86,998,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 414,772,000 | 440,632,000 | 451,405,000 | 454,683,000 |
| Interest-bearing deposits | 347,423,000 | 355,543,000 | 366,189,000 | 367,922,000 |
| Noninterest-bearing deposits | 67,349,000 | 85,090,000 | 85,216,000 | 86,761,000 |
| Equity capital | 50,437,000 | 51,337,000 | 52,010,000 | 53,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,332,000 | 10,573,000 | 15,869,000 | 21,369,000 |
| Interest expense | 1,124,000 | 2,018,000 | 2,831,000 | 3,575,000 |
| Net interest income | 4,208,000 | 8,555,000 | 13,038,000 | 17,794,000 |
| Noninterest income | 652,000 | 1,305,000 | 2,139,000 | 3,020,000 |
| Noninterest expense | 3,261,000 | 6,573,000 | 9,768,000 | 13,335,000 |
| Provision for loan losses | 125,000 | 425,000 | 500,000 | 650,000 |
| Pretax income | 1,484,000 | 2,886,000 | 4,959,000 | 6,912,000 |
| Income tax | 211,000 | 405,000 | 744,000 | 1,054,000 |
| Net income | 1,273,000 | 2,481,000 | 4,215,000 | 5,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 49,372,000 | 49,980,000 | 50,739,000 | 51,783,000 |