Call reports 2015
HAVERHILL BANK — 2015
What HAVERHILL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 343,521,000 | 344,921,000 | 350,550,000 | 361,175,000 |
| Total loans | 251,514,000 | 248,690,000 | 245,393,000 | 246,988,000 |
| Allowance for loan losses | 2,716,000 | 2,720,000 | 2,731,000 | 2,714,000 |
| Securities available for sale | 40,528,000 | 52,257,000 | 56,609,000 | 61,582,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 295,270,000 | 296,733,000 | 299,158,000 | 310,164,000 |
| Interest-bearing deposits | 256,620,000 | 255,825,000 | 258,328,000 | 265,287,000 |
| Noninterest-bearing deposits | 38,650,000 | 40,908,000 | 40,830,000 | 44,877,000 |
| Equity capital | 36,122,000 | 36,092,000 | 36,626,000 | 36,582,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,843,000 | 5,695,000 | 8,617,000 | 11,559,000 |
| Interest expense | 494,000 | 1,003,000 | 1,532,000 | 2,073,000 |
| Net interest income | 2,349,000 | 4,692,000 | 7,085,000 | 9,486,000 |
| Noninterest income | 308,000 | 673,000 | 1,072,000 | 1,462,000 |
| Noninterest expense | 2,403,000 | 4,730,000 | 7,103,000 | 9,495,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 15,000 |
| Pretax income | 278,000 | 668,000 | 1,107,000 | 1,506,000 |
| Income tax | 78,000 | 156,000 | 298,000 | 422,000 |
| Net income | 200,000 | 512,000 | 809,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,779,000 | 36,089,000 | 36,297,000 | 36,663,000 |
| Total capital | 38,258,000 | 38,636,000 | 38,777,000 | 39,340,000 |
| Risk-weighted assets | 197,419,000 | 203,559,000 | 198,175,000 | 213,907,000 |
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