Call reports 2010
HAVERHILL BANK — 2010
What HAVERHILL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 240,261,000 | 244,920,000 | 250,115,000 | 248,805,000 |
| Total loans | 192,114,000 | 183,446,000 | 183,543,000 | 182,655,000 |
| Allowance for loan losses | 3,010,000 | 2,901,000 | 2,709,000 | 2,740,000 |
| Securities available for sale | 26,886,000 | 33,870,000 | 43,186,000 | 43,744,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,919,000 | 209,965,000 | 214,988,000 | 213,380,000 |
| Interest-bearing deposits | 184,999,000 | 189,650,000 | 194,597,000 | 193,524,000 |
| Noninterest-bearing deposits | 19,920,000 | 20,315,000 | 20,391,000 | 19,856,000 |
| Equity capital | 28,359,000 | 28,723,000 | 28,927,000 | 28,358,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,955,000 | 5,907,000 | 8,696,000 | 11,485,000 |
| Interest expense | 783,000 | 1,566,000 | 2,340,000 | 3,073,000 |
| Net interest income | 2,172,000 | 4,341,000 | 6,356,000 | 8,412,000 |
| Noninterest income | 456,000 | 848,000 | 1,191,000 | 1,639,000 |
| Noninterest expense | 2,114,000 | 4,152,000 | 6,213,000 | 8,369,000 |
| Provision for loan losses | 340,000 | 412,000 | 485,000 | 557,000 |
| Pretax income | 174,000 | 625,000 | 849,000 | 1,125,000 |
| Income tax | 65,000 | 326,000 | 373,000 | 449,000 |
| Net income | 109,000 | 299,000 | 476,000 | 676,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,057,000 | 28,054,000 | 28,220,000 | 26,690,000 |
| Total capital | 29,044,000 | 29,961,000 | 30,129,000 | 28,595,000 |
| Risk-weighted assets | 157,977,000 | 151,586,000 | 151,977,000 | 151,582,000 |
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