Call reports 2019
HAVERHILL BANK — 2019
What HAVERHILL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 400,122,000 | 405,642,000 | 412,900,000 | 415,913,000 |
| Total loans | 301,092,000 | 308,983,000 | 304,254,000 | 304,868,000 |
| Allowance for loan losses | 3,002,000 | 3,026,000 | 2,903,000 | 2,856,000 |
| Securities available for sale | 67,106,000 | 65,793,000 | 63,560,000 | 67,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,657,000 | 336,914,000 | 343,465,000 | 345,484,000 |
| Interest-bearing deposits | 284,532,000 | 276,137,000 | 282,750,000 | 281,181,000 |
| Noninterest-bearing deposits | 58,125,000 | 60,777,000 | 60,715,000 | 64,303,000 |
| Equity capital | 43,294,000 | 44,654,000 | 45,475,000 | 46,501,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,015,000 | 8,125,000 | 12,234,000 | 16,242,000 |
| Interest expense | 867,000 | 1,799,000 | 2,775,000 | 3,769,000 |
| Net interest income | 3,148,000 | 6,326,000 | 9,459,000 | 12,473,000 |
| Noninterest income | 365,000 | 749,000 | 1,139,000 | 1,513,000 |
| Noninterest expense | 2,731,000 | 5,514,000 | 8,282,000 | 11,083,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 853,000 | 1,636,000 | 2,368,000 | 2,933,000 |
| Income tax | 200,000 | 315,000 | 486,000 | 611,000 |
| Net income | 653,000 | 1,321,000 | 1,882,000 | 2,322,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,382,000 | 43,050,000 | 43,610,000 | 44,050,000 |
| Total capital | 45,952,000 | 46,762,000 | 47,268,000 | 48,017,000 |
| Risk-weighted assets | 268,539,000 | 276,888,000 | 279,908,000 | 284,939,000 |
Machine access — free, no API key
Every figure shown here about HAVERHILL BANK — 2019 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.