Call reports 2022
HAVERHILL BANK — 2022
What HAVERHILL BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 543,584,000 | 533,327,000 | 539,595,000 | 557,992,000 |
| Total loans | 371,653,000 | 386,866,000 | 388,408,000 | 408,965,000 |
| Allowance for loan losses | 3,178,000 | 3,224,000 | 3,271,000 | 3,365,000 |
| Securities available for sale | 83,354,000 | 86,208,000 | 88,049,000 | 87,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 483,899,000 | 484,820,000 | 494,835,000 | 492,569,000 |
| Interest-bearing deposits | 367,287,000 | 363,527,000 | 368,183,000 | 372,123,000 |
| Noninterest-bearing deposits | 116,612,000 | 121,293,000 | 126,652,000 | 120,446,000 |
| Equity capital | 49,416,000 | 44,712,000 | 40,586,000 | 44,567,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,721,000 | 7,849,000 | 12,418,000 | 17,568,000 |
| Interest expense | 622,000 | 1,167,000 | 1,733,000 | 2,551,000 |
| Net interest income | 3,099,000 | 6,682,000 | 10,685,000 | 15,017,000 |
| Noninterest income | 310,000 | 653,000 | 988,000 | 1,323,000 |
| Noninterest expense | 2,840,000 | 5,678,000 | 8,685,000 | 11,771,000 |
| Provision for loan losses | 23,000 | 68,000 | 113,000 | 208,000 |
| Pretax income | -940,000 | -3,064,000 | -3,221,000 | 1,142,000 |
| Income tax | -209,000 | -654,000 | -661,000 | 337,000 |
| Net income | -731,000 | -2,410,000 | -2,560,000 | 805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,716,000 | 52,037,000 | 51,887,000 | 55,252,000 |
| Total capital | 56,894,000 | 55,261,000 | 55,158,000 | 58,617,000 |
| Risk-weighted assets | 377,537,000 | 387,401,000 | 391,705,000 | 411,315,000 |