Call reports 2005
HAVERHILL BANK — 2005
What HAVERHILL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 162,854,000 | 165,674,000 | 167,505,000 | 169,268,000 |
| Total loans | 101,441,000 | 98,219,000 | 101,224,000 | 106,346,000 |
| Allowance for loan losses | 747,000 | 763,000 | 769,000 | 901,000 |
| Securities available for sale | 46,611,000 | 53,474,000 | 53,678,000 | 50,026,000 |
| Securities held to maturity | 1,762,000 | 1,260,000 | 1,258,000 | 1,255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,526,000 | 142,380,000 | 144,404,000 | 143,237,000 |
| Interest-bearing deposits | 127,308,000 | 128,736,000 | 129,675,000 | 130,142,000 |
| Noninterest-bearing deposits | 13,218,000 | 13,644,000 | 14,729,000 | 13,095,000 |
| Equity capital | 16,389,000 | 16,800,000 | 16,805,000 | 16,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,944,000 | 3,987,000 | 6,066,000 | 8,185,000 |
| Interest expense | 680,000 | 1,444,000 | 2,266,000 | 3,150,000 |
| Net interest income | 1,264,000 | 2,543,000 | 3,800,000 | 5,035,000 |
| Noninterest income | 166,000 | 349,000 | 537,000 | 710,000 |
| Noninterest expense | 1,145,000 | 2,323,000 | 3,446,000 | 4,655,000 |
| Provision for loan losses | 12,000 | 21,000 | 31,000 | 165,000 |
| Pretax income | 273,000 | 548,000 | 860,000 | 925,000 |
| Income tax | 91,000 | 188,000 | 302,000 | 325,000 |
| Net income | 182,000 | 360,000 | 558,000 | 600,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,882,000 | 17,060,000 | 17,258,000 | 17,300,000 |
| Total capital | 17,629,000 | 17,823,000 | 18,027,000 | 18,201,000 |
| Risk-weighted assets | 94,040,000 | 91,344,000 | 90,890,000 | 94,565,000 |
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