Call reports 2006
MORRIS COUNTY NATIONAL BANK — 2006
What MORRIS COUNTY NATIONAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 77,803,000 | 78,321,000 | 80,229,000 | 80,098,000 |
| Total loans | 55,670,000 | 54,173,000 | 53,058,000 | 53,482,000 |
| Allowance for loan losses | 824,000 | 677,000 | 719,000 | 710,000 |
| Securities available for sale | 16,691,000 | 16,995,000 | 18,764,000 | 18,521,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,794,000 | 72,037,000 | 73,726,000 | 73,440,000 |
| Interest-bearing deposits | 63,312,000 | 64,463,000 | 66,030,000 | 66,424,000 |
| Noninterest-bearing deposits | 7,482,000 | 7,574,000 | 7,696,000 | 7,016,000 |
| Equity capital | 6,055,000 | 5,856,000 | 6,043,000 | 6,209,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,235,000 | 2,502,000 | 3,813,000 | 5,187,000 |
| Interest expense | 448,000 | 947,000 | 1,494,000 | 2,098,000 |
| Net interest income | 787,000 | 1,555,000 | 2,319,000 | 3,089,000 |
| Noninterest income | 169,000 | 368,000 | 548,000 | 726,000 |
| Noninterest expense | 673,000 | 1,355,000 | 2,031,000 | 2,688,000 |
| Provision for loan losses | 76,000 | 152,000 | 229,000 | 306,000 |
| Pretax income | 207,000 | 416,000 | 607,000 | 820,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 207,000 | 416,000 | 607,000 | 820,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,293,000 | 6,278,000 | 6,315,000 | 6,397,000 |
| Total capital | 7,029,000 | 6,955,000 | 7,034,000 | 7,107,000 |
| Risk-weighted assets | 58,788,000 | 58,585,000 | 58,623,000 | 58,703,000 |