Call reports 2008
HAVERHILL BANK — 2008
What HAVERHILL BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 161,486,000 | 162,107,000 | 165,121,000 | 251,025,000 |
| Total loans | 106,949,000 | 108,139,000 | 109,209,000 | 191,721,000 |
| Allowance for loan losses | 955,000 | 958,000 | 958,000 | 2,992,000 |
| Securities available for sale | 38,576,000 | 36,237,000 | 40,184,000 | 35,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,544,000 | 142,137,000 | 144,769,000 | 215,276,000 |
| Interest-bearing deposits | 123,810,000 | 128,741,000 | 130,901,000 | 197,149,000 |
| Noninterest-bearing deposits | 17,734,000 | 13,396,000 | 13,868,000 | 18,127,000 |
| Equity capital | 17,633,000 | 17,167,000 | 17,271,000 | 29,664,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,109,000 | 4,181,000 | 6,255,000 | 13,537,000 |
| Interest expense | 1,100,000 | 2,128,000 | 3,133,000 | 6,134,000 |
| Net interest income | 1,009,000 | 2,053,000 | 3,122,000 | 7,403,000 |
| Noninterest income | 231,000 | 467,000 | 723,000 | 1,519,000 |
| Noninterest expense | 1,331,000 | 2,666,000 | 4,060,000 | 8,941,000 |
| Provision for loan losses | 13,000 | 13,000 | 13,000 | 2,168,000 |
| Pretax income | -104,000 | -159,000 | -228,000 | -2,148,000 |
| Income tax | -23,000 | -15,000 | -44,000 | -551,000 |
| Net income | -81,000 | -144,000 | -184,000 | -1,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,453,000 | 17,390,000 | 17,350,000 | 29,338,000 |
| Total capital | 18,408,000 | 18,348,000 | 18,308,000 | 31,251,000 |
| Risk-weighted assets | 96,732,000 | 97,431,000 | 100,479,000 | 151,969,000 |
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