Call reports 2005
MORRIS COUNTY NATIONAL BANK — 2005
What MORRIS COUNTY NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 76,154,000 | 76,405,000 | 77,608,000 | 77,043,000 |
| Total loans | 52,572,000 | 53,065,000 | 54,758,000 | 54,949,000 |
| Allowance for loan losses | 745,000 | 784,000 | 835,000 | 792,000 |
| Securities available for sale | 16,431,000 | 17,475,000 | 16,627,000 | 16,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,908,000 | 69,844,000 | 70,513,000 | 69,837,000 |
| Interest-bearing deposits | 62,231,000 | 62,502,000 | 63,685,000 | 62,253,000 |
| Noninterest-bearing deposits | 7,677,000 | 7,342,000 | 6,828,000 | 7,584,000 |
| Equity capital | 5,898,000 | 6,103,000 | 6,099,000 | 6,023,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,123,000 | 2,291,000 | 3,469,000 | 4,667,000 |
| Interest expense | 295,000 | 626,000 | 988,000 | 1,400,000 |
| Net interest income | 828,000 | 1,665,000 | 2,481,000 | 3,267,000 |
| Noninterest income | 162,000 | 351,000 | 552,000 | 752,000 |
| Noninterest expense | 621,000 | 1,299,000 | 1,961,000 | 2,675,000 |
| Provision for loan losses | 99,000 | 198,000 | 299,000 | 372,000 |
| Pretax income | 270,000 | 523,000 | 769,000 | 968,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 270,000 | 523,000 | 769,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,064,000 | 6,170,000 | 6,245,000 | 6,275,000 |
| Total capital | 6,771,000 | 6,895,000 | 6,976,000 | 7,005,000 |
| Risk-weighted assets | 56,521,000 | 57,436,000 | 58,361,000 | 58,345,000 |