Call reports 2003
HAVERHILL BANK — 2003
What HAVERHILL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 135,014,000 | 140,768,000 | 141,502,000 | 144,251,000 |
| Total loans | 81,817,000 | 87,181,000 | 91,887,000 | 91,508,000 |
| Allowance for loan losses | 570,000 | 584,000 | 597,000 | 609,000 |
| Securities available for sale | 36,883,000 | 36,716,000 | 34,398,000 | 36,949,000 |
| Securities held to maturity | 3,953,000 | 3,592,000 | 3,331,000 | 3,070,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,009,000 | 121,001,000 | 123,497,000 | 126,373,000 |
| Interest-bearing deposits | 104,973,000 | 109,040,000 | 110,519,000 | 113,314,000 |
| Noninterest-bearing deposits | 11,036,000 | 11,961,000 | 12,978,000 | 13,059,000 |
| Equity capital | 16,167,000 | 16,296,000 | 16,203,000 | 16,201,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,872,000 | 3,645,000 | 5,382,000 | 7,088,000 |
| Interest expense | 665,000 | 1,275,000 | 1,864,000 | 2,425,000 |
| Net interest income | 1,207,000 | 2,370,000 | 3,518,000 | 4,663,000 |
| Noninterest income | 177,000 | 284,000 | 385,000 | 512,000 |
| Noninterest expense | 900,000 | 1,841,000 | 2,862,000 | 3,961,000 |
| Provision for loan losses | 9,000 | 18,000 | 28,000 | 37,000 |
| Pretax income | 475,000 | 795,000 | 1,013,000 | 1,177,000 |
| Income tax | 175,000 | 289,000 | 368,000 | 428,000 |
| Net income | 300,000 | 506,000 | 645,000 | 749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,556,000 | 15,762,000 | 15,901,000 | 16,005,000 |
| Total capital | 16,126,000 | 16,346,000 | 16,498,000 | 16,614,000 |
| Risk-weighted assets | 76,696,000 | 77,166,000 | 82,017,000 | 82,296,000 |
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