Call reports 2001
MOREHEAD BANK — 2001
What MOREHEAD BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 42,891,000 | 44,752,000 | 45,161,000 | 46,643,000 |
| Total loans | 32,719,000 | 31,791,000 | 33,273,000 | 34,428,000 |
| Allowance for loan losses | 655,000 | 664,000 | 666,000 | 697,000 |
| Securities available for sale | 6,072,000 | 7,179,000 | 8,364,000 | 8,299,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,057,000 | 31,139,000 | 31,350,000 | 31,929,000 |
| Interest-bearing deposits | 24,782,000 | 25,967,000 | 26,271,000 | 27,628,000 |
| Noninterest-bearing deposits | 4,275,000 | 5,172,000 | 5,079,000 | 4,301,000 |
| Equity capital | 2,761,000 | 2,853,000 | 3,042,000 | 3,058,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 822,000 | 1,655,000 | 2,517,000 | 3,382,000 |
| Interest expense | 439,000 | 876,000 | 1,310,000 | 1,712,000 |
| Net interest income | 383,000 | 779,000 | 1,207,000 | 1,670,000 |
| Noninterest income | 95,000 | 190,000 | 285,000 | 374,000 |
| Noninterest expense | 354,000 | 721,000 | 1,114,000 | 1,538,000 |
| Provision for loan losses | 34,000 | 43,000 | 52,000 | 97,000 |
| Pretax income | 90,000 | 227,000 | 348,000 | 431,000 |
| Income tax | 28,000 | 72,000 | 111,000 | 139,000 |
| Net income | 62,000 | 155,000 | 237,000 | 292,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,676,000 | 2,769,000 | 2,851,000 | 2,906,000 |
| Total capital | 2,999,000 | 3,095,000 | 3,184,000 | 3,255,000 |
| Risk-weighted assets | 25,504,000 | 25,726,000 | 26,314,000 | 27,550,000 |