Call reports 2001
HAVERHILL BANK — 2001
What HAVERHILL 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 | 118,117,000 | 121,745,000 | 123,928,000 | 125,772,000 |
| Total loans | 64,258,000 | 69,745,000 | 75,125,000 | 80,842,000 |
| Allowance for loan losses | 451,000 | 459,000 | 468,000 | 498,000 |
| Securities available for sale | 39,772,000 | 37,040,000 | 35,921,000 | 33,466,000 |
| Securities held to maturity | 3,329,000 | 3,331,000 | 3,331,000 | 3,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,556,000 | 102,169,000 | 102,430,000 | 104,161,000 |
| Interest-bearing deposits | 87,102,000 | 90,134,000 | 92,747,000 | 94,606,000 |
| Noninterest-bearing deposits | 13,454,000 | 12,035,000 | 9,683,000 | 9,555,000 |
| Equity capital | 13,457,000 | 13,513,000 | 14,403,000 | 14,420,000 |
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 | 2,012,000 | 4,042,000 | 6,142,000 | 8,173,000 |
| Interest expense | 1,024,000 | 2,012,000 | 3,011,000 | 3,938,000 |
| Net interest income | 988,000 | 2,030,000 | 3,131,000 | 4,235,000 |
| Noninterest income | 80,000 | 175,000 | 256,000 | 402,000 |
| Noninterest expense | 754,000 | 1,508,000 | 2,270,000 | 3,107,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 37,000 |
| Pretax income | 311,000 | 691,000 | 1,108,000 | 1,493,000 |
| Income tax | 112,000 | 242,000 | 389,000 | 525,000 |
| Net income | 199,000 | 449,000 | 719,000 | 968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,320,000 | 13,570,000 | 13,840,000 | 14,089,000 |
| Total capital | 13,784,000 | 14,029,000 | 14,308,000 | 14,587,000 |
| Risk-weighted assets | 54,437,000 | 60,829,000 | 65,483,000 | 68,269,000 |