Call reports 2013
HAVERHILL BANK — 2013
What HAVERHILL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 315,145,000 | 311,888,000 | 317,879,000 | 318,752,000 |
| Total loans | 241,223,000 | 247,415,000 | 250,635,000 | 255,823,000 |
| Allowance for loan losses | 2,488,000 | 2,557,000 | 2,608,000 | 2,620,000 |
| Securities available for sale | 40,744,000 | 39,426,000 | 38,917,000 | 38,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,679,000 | 262,563,000 | 267,926,000 | 262,417,000 |
| Interest-bearing deposits | 232,343,000 | 227,985,000 | 230,154,000 | 223,962,000 |
| Noninterest-bearing deposits | 33,336,000 | 34,578,000 | 37,772,000 | 38,455,000 |
| Equity capital | 33,878,000 | 33,524,000 | 33,683,000 | 33,746,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,787,000 | 5,620,000 | 8,425,000 | 11,279,000 |
| Interest expense | 479,000 | 965,000 | 1,431,000 | 1,886,000 |
| Net interest income | 2,308,000 | 4,655,000 | 6,994,000 | 9,393,000 |
| Noninterest income | 344,000 | 703,000 | 1,070,000 | 1,440,000 |
| Noninterest expense | 1,999,000 | 4,081,000 | 6,144,000 | 8,283,000 |
| Provision for loan losses | 262,000 | 337,000 | 412,000 | 487,000 |
| Pretax income | 391,000 | 940,000 | 1,508,000 | 2,063,000 |
| Income tax | 123,000 | 312,000 | 506,000 | 702,000 |
| Net income | 268,000 | 628,000 | 1,002,000 | 1,361,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,844,000 | 32,854,000 | 33,623,000 | 33,716,000 |
| Total capital | 35,122,000 | 35,197,000 | 36,033,000 | 36,195,000 |
| Risk-weighted assets | 181,918,000 | 187,131,000 | 192,528,000 | 198,070,000 |
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