The Muncy Bank and Trust Company in Muncy, Pennsylvania (PA)



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Table of contents:
The Muncy Bank and Trust Company
GeneralFDIC Certificate #: 10678
Status: Active
Federal Reserve ID: 141211
Bank Holding Company (Regulatory Top Holder): Muncy Bank Financial, Inc. (RSSDID: 1364035, Location: Muncy, PA)
Date Established: November 01, 1893
WWW: http://www.muncybank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 9219
FDIC's unique #: 6852
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Mortgage Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
LocationAddress: 2 N Main Street, Muncy, PA 17756
County: Lycoming
Quarterly Banking Profile Region: New York
FDIC Geographic Region: New York
FDIC Supervisory Region: New York
FDIC Field Office: Wexford
Office of the Comptroller the Currency (OCC) District: Northeast
Office of Thrift Supervision Region: Northeast
Metropolitan Statistical Area (MSA): Williamsport, PA (#9140)
Combined Statistical Area (CSA): Williamsport-Lock Haven, PA (#558)
Core Based Statistical Area (CBSA): Williamsport, PA (#48700)
CBSA Metro Statistical Area: Williamsport, PA (#48700)
History of ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $299.2 mil
Equity capital: $28.3 mil
Deposits held in domestic offices: $257.5 mil
Return on assets (ROA): 1.47% ($4.4 mil)
Quarterly return on assets: 0.76% ($2.3 mil)
Return on Equity (ROE): 16.40% ($4.6 mil)
Quarterly return on equity: 8.07% ($2.3 mil)
Net income: $4.3 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.95% ($5,835.0 mil)
Quarterly Pretax return on assets: 1.29% ($3,860.1 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)67
Total assets$299,230
Cash and due from depository institutions$8,931
Interest-bearing balances$4,095
Securities$42,130
Federal funds sold & reverse repurchase agreements$3,000
Net loans & leases$228,276
Loan loss allowance $3,469
Trading account assets$0
Bank premises and fixed assets$5,285
Other real estate owned$81
Goodwill and other intangibles$0
All other assets$11,527
Life insurance assets$299,230
Total liabilities and capital$270,901
Total liabilities$257,485
Total deposits$226,397
Interest-bearing deposits$257,485
Deposits held in domestic offices$89
% insured (estimated)5423.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$5,646
Other borrowed funds $0
Subordinated debt $2,347
All other liabilities $28,329
Total equity capital$28,329
Total bank equity capital$28,329
Perpetual preferred stock$0
Common stock$678
Surplus$2,161
Undivided profits $25,490
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,136
Earning assets $0
Long-term assets (5+ years) $1,069
Average Assets, year-to-date $277,501
Average Assets, quarterly $207,522
Volatile liabilities $293,169
Insider loans $298,459
FHLB advances $229,481
Loans and leases held for sale $298,207
Unused loan commitments $7,111
Tier 1 (core) risk-based capital $7,111
Tier 2 risk-based capital $27,291
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $22,976
Derivatives$4,267
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $14,954
Total interest expense $2,919
Net interest income $12,035
Provision for loan and lease losses $825
Total noninterest income $1,823
Fiduciary activities $141
Service charges on deposit accounts $390
Trading account gains & fees $0
Additional noninterest income $1,292
Total noninterest expense $7,321
Salaries and employee benefits $4,445
Premises and equipment expense $622
Additional noninterest expense $2,254
Pre-tax net operating income $5,712
Securities gains (losses) $4
Applicable income taxes $1,399
Income before extraordinary items $4,317
Extraordinary gains - net $0
Net income attributable to bank $4,317
Net charge-offs $0
Cash dividends $4,317
Sale, conversion, retirement of capital stock, net $192
Net operating income $1,018
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.49%
Cost of funding earning assets 1.07%
Net interest margin 4.42%
Noninterest income to earning assets 0.67%
Noninterest expense to earning assets 2.69%
Net operating income to assets 1.47%
Return on assets (ROA) 1.47%
Pretax return on assets 1.95%
Return on equity (ROE) 16.40%
Retained earnings to average equity (YTD only) 12.53%
Net charge-offs to loans 0.09%
Credit loss provision to net charge-offs 429.69%
Efficiency ratio34.05%
Assets per employee$52,829
Cash dividends to net income (YTD only)4.47%
Condition Ratios (%)
Loss allowance to loans 23.58%
Loss allowance to noncurrent loans 1.50%
Noncurrent assets plus other real estate owned to assets 162.41%
Noncurrent loans to loans 0.74%
Net loans and leases to deposits0.92%
Net loans and leases to core deposits 88.66%
Equity capital to assets 94.35%
Core capital (leverage) ratio 9.47%
Tier 1 risk-based capital ratio 9.15%
Total risk-based capital ratio 11.89%
Memoranda
Average assets$13
Average earning assets$293,169
Average equity $26,322
Average loans $272,339
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$32,996
Number of Accounts1
Personal trust and agency accounts$19,770
Employee benefit-defined contribution accounts$13,052
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$363
Investment management agency accounts$0
Other fiduciary accounts$6,355
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts144
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$363
Employee benefit-defined benefit accounts$0
Other retirement accounts$13,226
Corporate trust and agency accounts$1,359
Other fiduciary accounts$8,522
Fiduciary accounts held in foreign offices$3,344
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6 Pennsylvania Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
06852The Muncy Bank And Trust Company2 N Main Street, Muncy, PA 17756November 01, 1893Full Service Brick and Mortar
1222881Hughesville Office725 Route 405 Hwy, Hughesville, PA 17737March 26, 1990Full Service Brick and Mortar
2222882Clarkstown Branch2175 St Route 442, Muncy, PA 17756March 31, 1993Full Service Brick and Mortar
3433885Montoursville Branch900 North Loyalsock Avenue, Montoursville, PA 17754December 27, 2004Full Service Brick and Mortar
4451493Muncy Drive Up319 South Main Street, Muncy, PA 17756April 27, 2006Limited Service Facility
5510565Dewart Office Branch4880 State Route 44, Dewart, PA 17730November 09, 2009Full Service Brick and Mortar
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