Call reports 2014
HAVERHILL BANK — 2014
What HAVERHILL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 323,839,000 | 332,387,000 | 338,124,000 | 334,314,000 |
| Total loans | 255,690,000 | 254,006,000 | 254,500,000 | 250,237,000 |
| Allowance for loan losses | 2,693,000 | 2,721,000 | 2,719,000 | 2,716,000 |
| Securities available for sale | 38,664,000 | 39,217,000 | 39,461,000 | 40,015,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 275,719,000 | 285,198,000 | 290,403,000 | 286,592,000 |
| Interest-bearing deposits | 240,241,000 | 247,228,000 | 251,453,000 | 248,882,000 |
| Noninterest-bearing deposits | 35,478,000 | 37,970,000 | 38,950,000 | 37,710,000 |
| Equity capital | 34,275,000 | 34,832,000 | 35,198,000 | 35,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,862,000 | 5,734,000 | 8,658,000 | 11,647,000 |
| Interest expense | 452,000 | 937,000 | 1,428,000 | 1,927,000 |
| Net interest income | 2,410,000 | 4,797,000 | 7,230,000 | 9,720,000 |
| Noninterest income | 339,000 | 705,000 | 1,055,000 | 1,404,000 |
| Noninterest expense | 2,330,000 | 4,613,000 | 6,881,000 | 9,228,000 |
| Provision for loan losses | 107,000 | 97,000 | 97,000 | 97,000 |
| Pretax income | 312,000 | 741,000 | 1,256,000 | 1,753,000 |
| Income tax | 88,000 | 228,000 | 402,000 | 572,000 |
| Net income | 224,000 | 513,000 | 854,000 | 1,181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,170,000 | 34,611,000 | 34,931,000 | 35,577,000 |
| Total capital | 36,656,000 | 37,103,000 | 37,426,000 | 38,060,000 |
| Risk-weighted assets | 198,661,000 | 199,136,000 | 199,353,000 | 198,368,000 |
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