Call reports 2006
HAVERHILL BANK — 2006
What HAVERHILL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 169,376,000 | 168,189,000 | 169,935,000 | 166,040,000 |
| Total loans | 106,071,000 | 104,651,000 | 108,043,000 | 109,579,000 |
| Allowance for loan losses | 884,000 | 908,000 | 914,000 | 925,000 |
| Securities available for sale | 50,932,000 | 50,037,000 | 45,766,000 | 40,827,000 |
| Securities held to maturity | 1,003,000 | 752,000 | 751,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,265,000 | 145,434,000 | 143,828,000 | 141,109,000 |
| Interest-bearing deposits | 130,780,000 | 132,193,000 | 131,451,000 | 128,409,000 |
| Noninterest-bearing deposits | 12,485,000 | 13,241,000 | 12,377,000 | 12,700,000 |
| Equity capital | 16,541,000 | 16,510,000 | 17,037,000 | 17,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,158,000 | 4,367,000 | 6,567,000 | 8,811,000 |
| Interest expense | 948,000 | 1,930,000 | 2,944,000 | 4,034,000 |
| Net interest income | 1,210,000 | 2,437,000 | 3,623,000 | 4,777,000 |
| Noninterest income | 167,000 | 336,000 | 547,000 | 802,000 |
| Noninterest expense | 1,334,000 | 2,526,000 | 3,739,000 | 4,977,000 |
| Provision for loan losses | 12,000 | 25,000 | 29,000 | 42,000 |
| Pretax income | 31,000 | 222,000 | 402,000 | 560,000 |
| Income tax | -46,000 | 24,000 | 88,000 | 134,000 |
| Net income | 77,000 | 198,000 | 314,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,377,000 | 17,498,000 | 17,614,000 | 17,725,000 |
| Total capital | 18,261,000 | 18,406,000 | 18,528,000 | 18,650,000 |
| Risk-weighted assets | 98,604,000 | 96,986,000 | 98,546,000 | 98,933,000 |
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