Call reports 2016
HAVERHILL BANK — 2016
What HAVERHILL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 362,579,000 | 369,763,000 | 373,557,000 | 367,812,000 |
| Total loans | 255,649,000 | 264,980,000 | 269,377,000 | 273,939,000 |
| Allowance for loan losses | 2,734,000 | 2,755,000 | 2,774,000 | 2,834,000 |
| Securities available for sale | 64,313,000 | 59,507,000 | 56,579,000 | 56,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,007,000 | 317,307,000 | 320,888,000 | 312,812,000 |
| Interest-bearing deposits | 265,888,000 | 267,877,000 | 267,622,000 | 262,483,000 |
| Noninterest-bearing deposits | 48,119,000 | 49,430,000 | 53,266,000 | 50,329,000 |
| Equity capital | 37,607,000 | 38,293,000 | 38,605,000 | 38,055,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,028,000 | 6,225,000 | 9,402,000 | 12,553,000 |
| Interest expense | 544,000 | 1,098,000 | 1,654,000 | 2,213,000 |
| Net interest income | 2,484,000 | 5,127,000 | 7,748,000 | 10,340,000 |
| Noninterest income | 332,000 | 709,000 | 1,088,000 | 1,449,000 |
| Noninterest expense | 2,368,000 | 4,836,000 | 7,278,000 | 9,825,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 486,000 | 1,052,000 | 1,646,000 | 2,040,000 |
| Income tax | 157,000 | 349,000 | 551,000 | 676,000 |
| Net income | 329,000 | 703,000 | 1,095,000 | 1,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,992,000 | 37,366,000 | 37,758,000 | 38,027,000 |
| Total capital | 39,766,000 | 40,224,000 | 40,651,000 | 41,022,000 |
| Risk-weighted assets | 218,167,000 | 224,195,000 | 230,438,000 | 234,207,000 |