Call reports 2021
HAVERHILL BANK — 2021
What HAVERHILL BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 533,303,000 | 526,992,000 | 546,469,000 | 539,010,000 |
| Total loans | 328,128,000 | 339,005,000 | 335,575,000 | 340,476,000 |
| Allowance for loan losses | 3,056,000 | 3,082,000 | 3,107,000 | 3,131,000 |
| Securities available for sale | 70,021,000 | 79,744,000 | 82,524,000 | 80,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 458,235,000 | 452,883,000 | 473,347,000 | 464,326,000 |
| Interest-bearing deposits | 348,876,000 | 346,587,000 | 356,996,000 | 356,198,000 |
| Noninterest-bearing deposits | 109,359,000 | 106,296,000 | 116,351,000 | 108,128,000 |
| Equity capital | 50,512,000 | 52,331,000 | 52,309,000 | 54,313,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 3,857,000 | 7,762,000 | 11,685,000 | 15,341,000 |
| Interest expense | 813,000 | 1,584,000 | 2,317,000 | 2,973,000 |
| Net interest income | 3,044,000 | 6,178,000 | 9,368,000 | 12,368,000 |
| Noninterest income | 306,000 | 656,000 | 989,000 | 1,321,000 |
| Noninterest expense | 2,829,000 | 5,540,000 | 8,308,000 | 11,183,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 1,669,000 | 3,603,000 | 4,098,000 | 6,992,000 |
| Income tax | 372,000 | 809,000 | 935,000 | 1,559,000 |
| Net income | 1,297,000 | 2,794,000 | 3,163,000 | 5,433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,310,000 | 51,807,000 | 52,176,000 | 54,447,000 |
| Total capital | 53,366,000 | 54,889,000 | 55,283,000 | 57,578,000 |
| Risk-weighted assets | 299,651,000 | 326,272,000 | 330,553,000 | 348,094,000 |
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