Call reports 2011
HAVERHILL BANK — 2011
What HAVERHILL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 252,948,000 | 253,908,000 | 258,233,000 | 260,730,000 |
| Total loans | 184,669,000 | 188,282,000 | 189,262,000 | 193,428,000 |
| Allowance for loan losses | 2,560,000 | 2,408,000 | 2,432,000 | 2,334,000 |
| Securities available for sale | 43,941,000 | 42,889,000 | 39,725,000 | 41,123,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,992,000 | 213,209,000 | 218,688,000 | 219,684,000 |
| Interest-bearing deposits | 191,492,000 | 192,094,000 | 195,541,000 | 196,593,000 |
| Noninterest-bearing deposits | 20,500,000 | 21,115,000 | 23,147,000 | 23,091,000 |
| Equity capital | 28,618,000 | 29,249,000 | 29,902,000 | 30,000,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,740,000 | 5,468,000 | 8,224,000 | 10,906,000 |
| Interest expense | 662,000 | 1,296,000 | 1,865,000 | 2,397,000 |
| Net interest income | 2,078,000 | 4,172,000 | 6,359,000 | 8,509,000 |
| Noninterest income | 405,000 | 756,000 | 1,125,000 | 1,504,000 |
| Noninterest expense | 2,065,000 | 4,126,000 | 6,049,000 | 8,303,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 373,000 | 712,000 | 1,300,000 | 1,530,000 |
| Income tax | 116,000 | 218,000 | 429,000 | 504,000 |
| Net income | 257,000 | 494,000 | 871,000 | 1,026,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,029,000 | 27,596,000 | 28,006,000 | 28,718,000 |
| Total capital | 28,942,000 | 29,554,000 | 29,919,000 | 30,609,000 |
| Risk-weighted assets | 152,436,000 | 156,269,000 | 152,520,000 | 150,842,000 |