Call reports 2020
HAVERHILL BANK — 2020
What HAVERHILL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 419,419,000 | 462,903,000 | 488,757,000 | 504,646,000 |
| Total loans | 304,763,000 | 340,983,000 | 331,529,000 | 318,083,000 |
| Allowance for loan losses | 3,006,000 | 3,087,000 | 3,114,000 | 3,029,000 |
| Securities available for sale | 63,524,000 | 46,790,000 | 51,723,000 | 63,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,380,000 | 391,436,000 | 412,103,000 | 430,340,000 |
| Interest-bearing deposits | 283,095,000 | 303,565,000 | 321,006,000 | 335,158,000 |
| Noninterest-bearing deposits | 62,285,000 | 87,871,000 | 91,097,000 | 95,182,000 |
| Equity capital | 45,571,000 | 47,553,000 | 48,610,000 | 50,385,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,189,000 | 8,197,000 | 12,029,000 | 15,876,000 |
| Interest expense | 964,000 | 1,890,000 | 2,802,000 | 3,671,000 |
| Net interest income | 3,225,000 | 6,307,000 | 9,227,000 | 12,205,000 |
| Noninterest income | 325,000 | 611,000 | 930,000 | 1,250,000 |
| Noninterest expense | 2,788,000 | 5,730,000 | 8,519,000 | 11,256,000 |
| Provision for loan losses | 148,000 | 148,000 | 170,000 | 193,000 |
| Pretax income | 706,000 | 1,078,000 | 2,640,000 | 5,385,000 |
| Income tax | 161,000 | 235,000 | 576,000 | 1,187,000 |
| Net income | 545,000 | 843,000 | 2,064,000 | 4,198,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,015,000 | 45,983,000 | 47,204,000 | 49,013,000 |
| Total capital | 47,021,000 | 49,070,000 | 50,318,000 | 52,042,000 |
| Risk-weighted assets | 281,942,000 | 281,845,000 | 281,341,000 | 290,830,000 |