Call reports 2018
HAVERHILL BANK — 2018
What HAVERHILL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 392,536,000 | 390,957,000 | 395,671,000 | 394,269,000 |
| Total loans | 288,087,000 | 294,081,000 | 297,791,000 | 297,075,000 |
| Allowance for loan losses | 2,898,000 | 2,918,000 | 2,944,000 | 2,978,000 |
| Securities available for sale | 61,112,000 | 62,136,000 | 62,786,000 | 64,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,417,000 | 339,389,000 | 341,239,000 | 339,572,000 |
| Interest-bearing deposits | 283,861,000 | 284,347,000 | 282,471,000 | 281,105,000 |
| Noninterest-bearing deposits | 57,556,000 | 55,042,000 | 58,768,000 | 58,467,000 |
| Equity capital | 39,869,000 | 40,092,000 | 40,873,000 | 41,541,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,561,000 | 7,208,000 | 11,104,000 | 15,046,000 |
| Interest expense | 688,000 | 1,419,000 | 2,208,000 | 3,010,000 |
| Net interest income | 2,873,000 | 5,789,000 | 8,896,000 | 12,036,000 |
| Noninterest income | 375,000 | 760,000 | 1,141,000 | 1,553,000 |
| Noninterest expense | 2,710,000 | 5,389,000 | 8,030,000 | 10,565,000 |
| Provision for loan losses | 0 | 15,000 | 38,000 | 45,000 |
| Pretax income | 544,000 | 1,174,000 | 2,169,000 | 3,179,000 |
| Income tax | 153,000 | 336,000 | 572,000 | 817,000 |
| Net income | 391,000 | 838,000 | 1,597,000 | 2,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,758,000 | 40,205,000 | 40,964,000 | 41,729,000 |
| Total capital | 43,174,000 | 43,627,000 | 44,548,000 | 44,932,000 |
| Risk-weighted assets | 253,805,000 | 259,631,000 | 262,768,000 | 259,990,000 |