Call reports 2009
HAVERHILL BANK — 2009
What HAVERHILL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 246,645,000 | 243,562,000 | 243,666,000 | 241,516,000 |
| Total loans | 191,684,000 | 196,883,000 | 196,533,000 | 194,126,000 |
| Allowance for loan losses | 2,780,000 | 2,804,000 | 2,457,000 | 3,263,000 |
| Securities available for sale | 34,208,000 | 27,365,000 | 25,418,000 | 23,338,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,930,000 | 208,162,000 | 207,979,000 | 205,739,000 |
| Interest-bearing deposits | 195,489,000 | 188,837,000 | 189,226,000 | 186,266,000 |
| Noninterest-bearing deposits | 19,441,000 | 19,325,000 | 18,753,000 | 19,473,000 |
| Equity capital | 29,631,000 | 28,999,000 | 29,182,000 | 28,223,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,223,000 | 6,335,000 | 9,481,000 | 12,496,000 |
| Interest expense | 1,150,000 | 2,167,000 | 3,109,000 | 3,980,000 |
| Net interest income | 2,073,000 | 4,168,000 | 6,372,000 | 8,516,000 |
| Noninterest income | 307,000 | -228,000 | 159,000 | 505,000 |
| Noninterest expense | 2,406,000 | 4,731,000 | 6,963,000 | 10,343,000 |
| Provision for loan losses | 73,000 | 145,000 | 568,000 | 1,441,000 |
| Pretax income | -99,000 | -936,000 | -1,058,000 | -2,821,000 |
| Income tax | -36,000 | -371,000 | -492,000 | -1,237,000 |
| Net income | -63,000 | -565,000 | -566,000 | -1,584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,275,000 | 28,773,000 | 27,806,000 | 26,934,000 |
| Total capital | 31,223,000 | 30,747,000 | 29,820,000 | 28,914,000 |
| Risk-weighted assets | 155,065,000 | 157,123,000 | 160,712,000 | 157,112,000 |
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