Call reports 2007
HAVERHILL BANK — 2007
What HAVERHILL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 164,972,000 | 164,007,000 | 163,503,000 | 160,033,000 |
| Total loans | 107,298,000 | 107,532,000 | 108,239,000 | 108,298,000 |
| Allowance for loan losses | 937,000 | 951,000 | 943,000 | 945,000 |
| Securities available for sale | 40,894,000 | 41,804,000 | 39,921,000 | 36,345,000 |
| Securities held to maturity | 250,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,569,000 | 138,345,000 | 140,380,000 | 139,954,000 |
| Interest-bearing deposits | 128,213,000 | 126,844,000 | 125,861,000 | 122,770,000 |
| Noninterest-bearing deposits | 11,356,000 | 11,501,000 | 14,519,000 | 17,184,000 |
| Equity capital | 17,352,000 | 17,231,000 | 17,443,000 | 17,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,130,000 | 4,291,000 | 6,476,000 | 8,591,000 |
| Interest expense | 1,106,000 | 2,269,000 | 3,430,000 | 4,585,000 |
| Net interest income | 1,024,000 | 2,022,000 | 3,046,000 | 4,006,000 |
| Noninterest income | 214,000 | 439,000 | 690,000 | 978,000 |
| Noninterest expense | 1,267,000 | 2,478,000 | 3,807,000 | 5,173,000 |
| Provision for loan losses | 13,000 | 25,000 | 38,000 | 150,000 |
| Pretax income | -42,000 | -42,000 | -109,000 | -339,000 |
| Income tax | -22,000 | -29,000 | -60,000 | -147,000 |
| Net income | -20,000 | -13,000 | -49,000 | -192,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,706,000 | 17,713,000 | 17,677,000 | 17,534,000 |
| Total capital | 18,643,000 | 18,664,000 | 18,620,000 | 18,479,000 |
| Risk-weighted assets | 98,035,000 | 98,638,000 | 99,835,000 | 98,438,000 |
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