The Muncy Bank and Trust Company in Muncy, Pennsylvania (PA)
Overview, Financial Summary, Detailed Financial Reports, Branches

The Muncy Bank and Trust Company - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 67Total employees (full-time equivalent)
  • $299,230Total assets
  • $8,931Cash and due from depository institutions
  • $4,095Interest-bearing balances
  • $42,130Securities
  • $3,000Federal funds sold & reverse repurchase agreements
  • $228,276Net loans & leases
  • $3,469Loan loss allowance
  • $0Trading account assets
  • $5,285Bank premises and fixed assets
  • $81Other real estate owned
  • $0Goodwill and other intangibles
  • $299,230Life insurance assets
  • $11,527All other assets
  • $270,901Total liabilities and capital
  • $257,485Total liabilities
  • $226,397Total deposits
  • $257,485Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 5423.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $5,646Trading liabilities
  • $0Other borrowed funds
  • $2,347Subordinated debt
  • $28,329All other liabilities
  • $28,329Total equity capital
  • $28,329Total bank equity capital
  • $0Perpetual preferred stock
  • $678Common stock
  • $2,161Surplus
  • $25,490Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,136Income earned, not collected on loans
  • $0Earning assets
  • $1,069Long-term assets (5+ years)
  • $277,501Average Assets, year-to-date
  • $207,522Average Assets, quarterly
  • $293,169Volatile liabilities
  • $298,459Insider loans
  • $229,481FHLB advances
  • $298,207Loans and leases held for sale
  • $7,111Unused loan commitments
  • $7,111Tier 1 (core) risk-based capital
  • $27,291Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $22,976Restructured Loans and leases
  • $4,267Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $14,954Total interest income
  • $2,919Total interest expense
  • $12,035Net interest income
  • $825Provision for loan and lease losses
  • $1,823Total noninterest income
  • $141Fiduciary activities
  • $390Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,292Additional noninterest income
  • $7,321Total noninterest expense
  • $4,445Salaries and employee benefits
  • $622Premises and equipment expense
  • $2,254Additional noninterest expense
  • $5,712Pre-tax net operating income
  • $4Securities gains (losses)
  • $1,399Applicable income taxes
  • $4,317Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,317Net income attributable to bank
  • $0Net charge-offs
  • $4,317Cash dividends
  • $192Sale, conversion, retirement of capital stock, net
  • $1,018Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.49%Yield on earning assets
  • 1.07%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.67%Noninterest income to earning assets
  • 2.69%Noninterest expense to earning assets
  • 1.47%Net operating income to assets
  • 1.47%Return on assets (ROA)
  • 1.95%Pretax return on assets
  • 16.40%Return on equity (ROE)
  • 12.53%Retained earnings to average equity (YTD only)
  • 0.09%Net charge-offs to loans
  • 429.69%Credit loss provision to net charge-offs
  • 34.05%Efficiency ratio
  • 52,829Assets per employee
  • 4.47%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 23.58%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 162.41%Noncurrent assets plus other real estate owned to assets
  • 0.74%Noncurrent loans to loans
  • 0.92%Net loans and leases to deposits
  • 88.66%Net loans and leases to core deposits
  • 94.35%Equity capital to assets
  • 9.47%Core capital (leverage) ratio
  • 9.15%Tier 1 risk-based capital ratio
  • 11.89%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $293,169Average earning assets
  • $26,322Average equity
  • $272,339Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $32,996Managed Assets
  • 1Number of Accounts
  • $19,770Personal trust and agency accounts
  • $13,052Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $363Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $6,355Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 144Number of Accounts
  • $0Personal trust and agency accounts
  • $363Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $13,226Other retirement accounts
  • $1,359Corporate trust and agency accounts
  • $8,522Other fiduciary accounts
  • $3,344Fiduciary accounts held in foreign offices

List of branches

  • 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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