Call reports 2002
HAVERHILL BANK — 2002
What HAVERHILL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 128,955,000 | 133,411,000 | 133,241,000 | 133,697,000 |
| Total loans | 78,356,000 | 78,628,000 | 76,563,000 | 81,824,000 |
| Allowance for loan losses | 518,000 | 531,000 | 544,000 | 554,000 |
| Securities available for sale | 37,474,000 | 39,135,000 | 38,852,000 | 37,865,000 |
| Securities held to maturity | 3,586,000 | 3,587,000 | 4,447,000 | 4,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,451,000 | 111,952,000 | 111,367,000 | 113,795,000 |
| Interest-bearing deposits | 97,273,000 | 100,901,000 | 99,994,000 | 103,015,000 |
| Noninterest-bearing deposits | 10,178,000 | 11,051,000 | 11,373,000 | 10,780,000 |
| Equity capital | 14,639,000 | 15,174,000 | 15,730,000 | 15,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 2,050,000 | 4,059,000 | 6,113,000 | 8,038,000 |
| Interest expense | 872,000 | 1,724,000 | 2,533,000 | 3,284,000 |
| Net interest income | 1,178,000 | 2,335,000 | 3,580,000 | 4,754,000 |
| Noninterest income | 111,000 | 190,000 | 304,000 | 467,000 |
| Noninterest expense | 836,000 | 1,679,000 | 2,478,000 | 3,352,000 |
| Provision for loan losses | 9,000 | 18,000 | 28,000 | 37,000 |
| Pretax income | 444,000 | 828,000 | 1,378,000 | 1,832,000 |
| Income tax | 160,000 | 296,000 | 500,000 | 665,000 |
| Net income | 284,000 | 532,000 | 878,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,373,000 | 14,621,000 | 14,967,000 | 15,256,000 |
| Total capital | 14,891,000 | 15,152,000 | 15,511,000 | 15,810,000 |
| Risk-weighted assets | 73,119,000 | 70,467,000 | 71,589,000 | 74,036,000 |