Call reports 2017
HAVERHILL BANK — 2017
What HAVERHILL BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 380,176,000 | 387,756,000 | 390,951,000 | 390,684,000 |
| Total loans | 276,187,000 | 279,337,000 | 286,264,000 | 288,655,000 |
| Allowance for loan losses | 2,859,000 | 2,885,000 | 2,910,000 | 2,932,000 |
| Securities available for sale | 56,690,000 | 57,138,000 | 56,368,000 | 56,226,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 327,657,000 | 334,352,000 | 336,695,000 | 336,234,000 |
| Interest-bearing deposits | 274,363,000 | 277,712,000 | 281,061,000 | 280,972,000 |
| Noninterest-bearing deposits | 53,294,000 | 56,640,000 | 55,634,000 | 55,262,000 |
| Equity capital | 38,572,000 | 39,118,000 | 39,992,000 | 40,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,284,000 | 6,650,000 | 10,102,000 | 13,612,000 |
| Interest expense | 569,000 | 1,181,000 | 1,825,000 | 2,506,000 |
| Net interest income | 2,715,000 | 5,469,000 | 8,277,000 | 11,106,000 |
| Noninterest income | 349,000 | 741,000 | 1,393,000 | 2,036,000 |
| Noninterest expense | 2,623,000 | 5,210,000 | 7,824,000 | 10,618,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 483,000 | 1,036,000 | 1,887,000 | 2,513,000 |
| Income tax | 154,000 | 333,000 | 540,000 | 1,104,000 |
| Net income | 329,000 | 703,000 | 1,347,000 | 1,409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,356,000 | 38,731,000 | 39,375,000 | 39,437,000 |
| Total capital | 41,452,000 | 41,898,000 | 42,683,000 | 42,930,000 |
| Risk-weighted assets | 237,584,000 | 243,517,000 | 254,412,000 | 255,040,000 |
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