Call reports 2012
HAVERHILL BANK — 2012
What HAVERHILL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 289,503,000 | 292,660,000 | 294,710,000 | 306,152,000 |
| Total loans | 214,314,000 | 215,097,000 | 222,180,000 | 236,174,000 |
| Allowance for loan losses | 2,404,000 | 2,480,000 | 2,557,000 | 2,221,000 |
| Securities available for sale | 41,277,000 | 42,945,000 | 40,504,000 | 41,099,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,084,000 | 251,957,000 | 257,503,000 | 256,960,000 |
| Interest-bearing deposits | 221,963,000 | 222,542,000 | 223,351,000 | 225,878,000 |
| Noninterest-bearing deposits | 28,121,000 | 29,415,000 | 34,152,000 | 31,082,000 |
| Equity capital | 32,778,000 | 33,143,000 | 33,567,000 | 33,728,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,889,000 | 5,642,000 | 8,433,000 | 11,208,000 |
| Interest expense | 541,000 | 1,072,000 | 1,575,000 | 2,059,000 |
| Net interest income | 2,348,000 | 4,570,000 | 6,858,000 | 9,149,000 |
| Noninterest income | 333,000 | 653,000 | 1,025,000 | 1,396,000 |
| Noninterest expense | 2,196,000 | 4,343,000 | 6,432,000 | 8,605,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 437,000 | 773,000 | 1,284,000 | 1,713,000 |
| Income tax | 147,000 | 241,000 | 395,000 | 499,000 |
| Net income | 290,000 | 532,000 | 889,000 | 1,214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,442,000 | 31,723,000 | 32,438,000 | 32,624,000 |
| Total capital | 33,484,000 | 33,772,000 | 34,528,000 | 34,828,000 |
| Risk-weighted assets | 163,015,000 | 163,466,000 | 166,709,000 | 176,016,000 |
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