Call reports 2004
HAVERHILL BANK — 2004
What HAVERHILL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 148,605,000 | 155,384,000 | 156,038,000 | 155,642,000 |
| Total loans | 93,677,000 | 95,488,000 | 97,522,000 | 100,553,000 |
| Allowance for loan losses | 704,000 | 713,000 | 723,000 | 739,000 |
| Securities available for sale | 40,181,000 | 42,938,000 | 43,446,000 | 42,925,000 |
| Securities held to maturity | 2,558,000 | 2,545,000 | 2,531,000 | 2,020,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,466,000 | 137,236,000 | 137,595,000 | 133,038,000 |
| Interest-bearing deposits | 116,589,000 | 122,285,000 | 123,669,000 | 119,535,000 |
| Noninterest-bearing deposits | 13,877,000 | 14,951,000 | 13,926,000 | 13,503,000 |
| Equity capital | 16,419,000 | 16,091,000 | 16,533,000 | 16,561,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,722,000 | 3,494,000 | 5,315,000 | 7,284,000 |
| Interest expense | 568,000 | 1,141,000 | 1,730,000 | 2,335,000 |
| Net interest income | 1,154,000 | 2,353,000 | 3,585,000 | 4,949,000 |
| Noninterest income | 101,000 | 234,000 | 428,000 | 633,000 |
| Noninterest expense | 1,053,000 | 2,142,000 | 3,275,000 | 4,434,000 |
| Provision for loan losses | 9,000 | 19,000 | 28,000 | 44,000 |
| Pretax income | 193,000 | 426,000 | 710,000 | 1,104,000 |
| Income tax | 70,000 | 154,000 | 260,000 | 409,000 |
| Net income | 123,000 | 272,000 | 450,000 | 695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,128,000 | 16,277,000 | 16,455,000 | 16,700,000 |
| Total capital | 16,832,000 | 16,990,000 | 17,178,000 | 17,439,000 |
| Risk-weighted assets | 84,539,000 | 85,959,000 | 86,385,000 | 89,031,000 |
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